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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 relationships and expectations while maintaining accurate documentation and pipeline records.
Highest-signal resume keywords
Mortgage Origination ExperienceSales AbilityNegotiation SkillsKnowledge of Mortgage LawsNMLS Registration Eligibility
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 ProcessingUnderwritingAutomated Underwriting SystemsPipeline ManagementLoan DocumentationRegulatory ComplianceSales Goal AchievementCustomer Relationship ManagementTime ManagementBasic Arithmetic
Soft Skills
Verbal CommunicationWritten CommunicationSelf-Directed PlanningCustomer Expectation ManagementAttention to Detail
Tools & Technologies
Mortgage Loan SystemPoint-of-Sale Underwriting SystemsStandard Office Equipment
Certifications & Qualifications
Bachelor's DegreeRegistered Mortgage Loan OriginatorRegulation Z Compliance
Industry Keywords
Residential Mortgage LoansLending PracticesMortgage ProductsReferral SourcesHomebuyer SeminarsAudit ComplianceFinancial Institution Standards
About the role
Key responsibilities & impact- Sell and originate residential mortgage loans to sales goals
- Meet with prospects identified directly or referred by realtors, developers, attorneys, and other 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 details
- Ensure applications are accurate and include required information and supporting documentation
- Manage customer expectations regarding processing times and closing dates
- Generate referrals for mortgage 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 authority
- Communicate loan decisions and explain additional information needed
- Submit materials to processing, clear conditions, finalize loan commitments, and prepare for closing
- Communicate with customers, underwriters, processors, realtors, closing agents, and others
- Attend closings as needed
- Maintain knowledge of industry practices, products, mortgage laws, and regulations 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 listed
- 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
- Required statements/certification regarding administrative, civil, and/or criminal findings by any government agency or authority
- Ability to perform sedentary work, multiple tasks, and operate standard office equipment continuously
- Ability to concentrate for long periods and read, write, comprehend instructions, and perform basic arithmetic continuously
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
- Domestic travel opportunities as needed