TD

Mortgage Loan Officer

TD
Posted 10/19/2026full-timeRemote • Massachusetts • United StatesJuniorMid-Level💰 $15 per hourWebsite
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Core Competencies

Role fit
Core 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 achieve sales goals through effective communication, negotiation, and customer relationship management.

Highest-signal resume keywords
Mortgage Origination ExperienceSales AbilityKnowledge of Mortgage IndustryExcellent Communication SkillsNMLS Registration Eligibility

About the role

Key responsibilities & impact
  • Meet directly identified prospects and referrals from 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 steps
  • Ensure applications are accurate and include required documentation
  • Manage customer expectations for processing times and closing dates
  • Sell and originate residential mortgage loans according to policies, procedures, and legal/regulatory guidelines
  • 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 additional information requirements to customers
  • Submit materials to processing, clear conditions, finalize commitments, and prepare for closing
  • Coordinate regularly with customers, underwriters, processors, realtors, closing agents, and others
  • Attend closings as needed
  • Maintain knowledge of industry practices, products, mortgage laws, regulations, policies, and procedures
  • Participate in homebuyer seminars, home shows, broker meetings, and financing workshops
  • Recommend product, program, and pricing changes
  • 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 requirements
  • 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; 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 under the SAFE Act
  • Satisfactory criminal background check and credit report check
  • Required applicant statements/certification regarding administrative, civil, and/or criminal findings by any government agency/authority
  • Ability to perform sedentary work, multiple tasks, operate standard office equipment, concentrate for long periods, comprehend instructions, and perform basic calculations

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
  • Online learning platform
  • Mentoring programs
  • Training and onboarding sessions
  • Occasional domestic travel

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills
Mortgage Application ProcessingUnderwritingLoan DocumentationPipeline ManagementRegulatory ComplianceSales Strategy DevelopmentPoint-of-Sale Underwriting SystemsBasic CalculationsCustomer Relationship ManagementLoan Decision Communication
Soft Skills
Time ManagementSelf-Directed PlanningNegotiation SkillsCustomer Expectation ManagementVerbal and Written Communication
Tools & Technologies
Mortgage Loan SystemAutomated Underwriting SystemsStandard Office Equipment
Certifications & Qualifications
Bachelor's DegreeNMLS RegistrationRegulation Z Eligibility
Industry Keywords
Mortgage ProductsLending PracticesRegulatory GuidelinesSales GoalsHomebuyer SeminarsBroker MeetingsFinancing WorkshopsAudit SupportComplex Mortgage NeedsReferral Generation