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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in residential mortgage origination, including sales strategies, customer guidance through the application process, and compliance with regulatory standards. Proficient in managing customer expectations and maintaining accurate loan documentation and pipeline records.
Highest-signal resume keywords
Mortgage Origination ExperienceSales AbilityNegotiation SkillsKnowledge of Regulatory GuidelinesCommunication Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Mortgage Application ProcessingUnderwritingPipeline ManagementLoan DocumentationAutomated Underwriting SystemsSales Goal AchievementCustomer Relationship ManagementRegulatory ComplianceComplex Mortgage Needs HandlingTime Management
Soft Skills
Self-DirectedVerbal CommunicationWritten Communication
Tools & Technologies
Mortgage Loan SystemPoint-of-Sale Underwriting SystemsStandard Office Equipment
Certifications & Qualifications
Registered Mortgage Loan OriginatorNMLS RegistrationRegulation Z Compliance
Industry Keywords
Residential Mortgage LoansLending PracticesMortgage ProductsSales ManagementHomebuyer Seminars
About the role
Key responsibilities & impact- Sell and originate residential mortgage loans to sales goals
- Meet with prospects referred by realtors, developers, attorneys, and internal and external referral sources
- Explain mortgage products and services and recommend options based on prospect needs
- Guide customers through the mortgage application process
- Explain required information and loan-process steps
- Ensure applications are accurate and include required documentation
- Manage customer expectations regarding processing times and closing dates
- Generate referrals for mortgage sales opportunities and other company business lines
- Develop plans to achieve sales goals with sales-management assistance
- Enter information into the mortgage loan system and maintain accurate pipeline records
- Create supporting files and documentation for underwriting, regulatory, and other purposes
- Send applications and required information to underwriting
- Underwrite loans using point-of-sale underwriting systems within authority
- Communicate loan decisions and additional information requirements to customers
- Submit materials to processing, clear conditions, finalize commitments, and prepare for closing
- Coordinate with customers, underwriters, processors, realtors, closing agents, and others
- Attend closings as needed
- Maintain knowledge of industry practices, mortgage products, laws, regulations, policies, and procedures through training and seminars
- Participate in homebuyer seminars, home shows, broker meetings, and financing workshops
- Recommend changes to products, programs, and pricing
- Support successful TD Bank audits and examinations
- Handle complex mortgage needs
Requirements
What you’ll need- Bachelor's degree or progressive work experience in addition to the experience below
- 2+ years of mortgage origination experience
- Proven sales ability
- Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines
- Highest level of sales ability and negotiation skills
- Self-directed, with ability to plan own activities to achieve sales goals
- Strong time management skills
- Excellent verbal and written communication skills
- PC skills, including ability to learn mortgage origination and automated underwriting systems
- Must be eligible for employment with a covered financial institution under Regulation Z standards
- Must be eligible for registration as a registered mortgage loan originator with the NMLS under the SAFE Act
- Satisfactory criminal background check and credit report check
- Domestic travel on occasion
- Ability to perform sedentary work, multiple tasks, operate standard office equipment, concentrate for long periods, read/write/comprehend instructions, and perform basic arithmetic on a continuous basis
- Ability to sit continuously and stand, walk, squat, bend, reach forward, and lift/carry under 25 lbs. occasionally
Benefits
Comp & perks- Base salary and variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
- Health and well-being benefits
- Savings and retirement programs
- Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
- Banking benefits and discounts
- Career development
- Reward and recognition
- Regular career, development, and performance conversations
- Online learning platform
- Mentoring programs
- Training and onboarding sessions