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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in mortgage origination, including knowledge of mortgage products, regulatory guidelines, and underwriting processes. Proven ability to manage customer relationships, achieve sales goals, and communicate effectively throughout the loan application process.
Highest-signal resume keywords
Mortgage Origination ExperienceSales AbilityRegulatory Compliance KnowledgeUnderwriting SkillsCommunication 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 ProcessingLoan UnderwritingPipeline ManagementSales Strategy DevelopmentDocumentation Preparation
Soft Skills
Time ManagementNegotiation SkillsSelf-Directed PlanningCustomer Relationship ManagementVerbal and Written Communication
Tools & Technologies
Automated Underwriting SystemsMortgage Loan SystemPC Skills
Certifications & Qualifications
Registered Mortgage Loan OriginatorEligibility Under Regulation Z
Industry Keywords
Mortgage ProductsLending PracticesRegulatory GuidelinesSales GoalsHomebuyer Seminars
About the role
Key responsibilities & impact- Meet with prospects identified directly or referred by realtors, developers, attorneys, and other referral sources
- Explain available mortgage products and services and recommend options based on prospect needs
- Guide customers through the mortgage application process
- Explain required information and other aspects of the loan process
- Ensure applications are accurate and include required documentation
- Manage customer expectations regarding processing times and closing dates
- Sell and originate residential mortgage loans under established policies, procedures, and legal/regulatory guidelines
- Generate referrals for mortgage sales opportunities and other company products
- 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 authorized scope
- Communicate loan decisions and explain additional information needed
- Submit materials to processing, clear conditions, finalize commitments, and prepare loans for closing
- Communicate with customers, underwriters, processors, realtors, closing agents, and others throughout the application process
- Attend closings as needed
- Build knowledge of industry practices, mortgage products, laws, regulations, policies, and procedures through training and seminars
- Participate in homebuyer seminars, home shows, brokers’ meetings, and home financing workshops
- Recommend changes to products, programs, and pricing
- Help ensure TD Bank maintains successful audits and examinations
- Handle complex mortgage needs
Requirements
What you’ll need- Bachelor’s degree or progressive work experience in addition to the required experience
- 2+ years of mortgage origination experience
- Proven sales ability
- Developing knowledge of the mortgage industry, products, lending practices, and regulatory guidelines
- Highest level of sales ability and negotiation skills
- Self-directed and able to plan 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
- Must be eligible for registration as a registered mortgage loan originator with the NMLS
- Satisfactory criminal background check and credit report check
- Required statements/certification regarding administrative, civil, and/or criminal findings by government agencies/authorities
- Occasional domestic travel
- Ability to perform sedentary work, multiple tasks, and operate standard office equipment continuously
- Ability to respond quickly to sounds, sit continuously, and perform occasional standing, walking, confined-space movement, lifting/carrying under 25 lbs., squatting, bending, and reaching forward
- Ability to concentrate for long periods and read, write, comprehend instructions, and perform basic arithmetic continuously
Benefits
Comp & perks- 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 with a manager
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Accommodation support for applicants with disabilities