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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 strong sales and negotiation skills, while maintaining compliance with regulatory guidelines. Proficient in managing customer relationships and guiding them through the mortgage application process.
Highest-signal resume keywords
Mortgage Origination ExperienceSales AbilityStrong Negotiation SkillsKnowledge of Mortgage LawsRegistered Mortgage Loan Originator
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 ProcessingUnderwriting LoansPipeline ManagementLoan DocumentationAutomated Underwriting Systems
Soft Skills
Excellent Communication SkillsTime ManagementSelf-Directed Planning
Tools & Technologies
Mortgage Loan SystemPoint-of-Sale Underwriting Systems
Certifications & Qualifications
NMLS Registration Eligibility
Industry Keywords
Residential Mortgage LoansLending PracticesRegulatory GuidelinesSales GoalsCustomer Expectations
About the role
Key responsibilities & impact- Sell and originate residential mortgage loans to sales goals
- Meet with prospects referred by realtors, developers, attorneys, and other referral sources
- Explain mortgage products 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 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
- Enter loan information into the mortgage loan system and maintain accurate pipeline records
- Create supporting files for underwriting, regulatory, and other purposes
- Submit applications and required information to underwriting and processing
- Underwrite loans using point-of-sale underwriting systems within authority
- Communicate loan decisions and additional requirements to customers
- Clear conditions, 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 industry practices, products, mortgage laws, and regulations through training and seminars
- Participate in homebuyer seminars, home shows, brokers' 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 listed experience
- 2+ years of mortgage origination experience
- Proven sales ability
- Developing knowledge of mortgage industry, products, lending practices, and regulatory guidelines
- Strong sales and negotiation skills
- Self-directed with ability 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 applicant statements/certifications regarding administrative, civil, and/or criminal findings
- Occasional domestic travel
- Ability to perform sedentary work, multiple tasks, operate standard office equipment, concentrate for long periods, comprehend instructions, and perform basic arithmetic
- Must meet applicable federal, state, and local employment requirements
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
- Competitive benefits plan