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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 knowledge of mortgage products, underwriting processes, and regulatory compliance. Proven ability to achieve sales goals through effective communication, negotiation, and customer relationship management.
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 UnderwritingLoan ProcessingPipeline ManagementDocumentation AccuracySales Goal Achievement
Soft Skills
Time ManagementSelf-Directed PlanningCustomer Relationship Management
Tools & Technologies
Mortgage Loan SystemsAutomated Underwriting SystemsPoint-of-Sale Underwriting Systems
Certifications & Qualifications
Registered Mortgage Loan OriginatorNMLS Registration Eligibility
Industry Keywords
Residential Mortgage LoansLending PracticesMortgage ProductsRegulatory ComplianceAudit Success
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 requirements
- 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 products
- Develop plans to achieve sales goals with sales management
- Enter information into mortgage loan systems and maintain accurate pipeline records
- Create supporting files and documentation for underwriting, regulatory, and other purposes
- Submit applications and required information to underwriting and processing
- Underwrite loans using point-of-sale underwriting systems within scope of authority
- Communicate loan decisions and additional information needed to customers
- Finalize loan commitments and prepare loans for closing
- Coordinate with customers, underwriters, processors, realtors, closing agents, and others
- Attend closings as needed
- Maintain knowledge of mortgage practices, products, laws, regulations, policies, and procedures through training and seminars
- Participate in homebuyer seminars, home shows, broker meetings, and home financing workshops
- Recommend changes to products, programs, and pricing
- 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 experience below
- 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 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
- 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 any government agency/authority
- Occasional domestic travel
- Ability to perform sedentary work and operate standard office equipment continuously
- Ability to perform required physical activities, including occasional sitting, standing, walking, squatting, bending, reaching forward, and lifting/carrying under 25 lbs.
Benefits
Comp & perks- 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
- Cash and/or equity incentive award eligibility through participation in an incentive plan