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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 expectations and maintaining accurate loan documentation and pipeline records.
Highest-signal resume keywords
Mortgage Origination ExperienceSales AbilityCommunication SkillsRegulatory KnowledgeTime Management 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 ProductsLoan ProcessingUnderwritingAutomated Underwriting SystemsPipeline ManagementDocumentation AccuracySales Goal AchievementCustomer Relationship ManagementNegotiation SkillsComplex Mortgage Needs Handling
Soft Skills
Self-DirectedStrong CommunicationPlanning AbilityCustomer Service OrientationTeam Collaboration
Tools & Technologies
Mortgage Loan SystemPoint-of-Sale Underwriting SystemsStandard Office Equipment
Certifications & Qualifications
Registered Mortgage Loan OriginatorNMLS Registration Eligibility
Industry Keywords
Mortgage IndustryLending PracticesRegulatory GuidelinesSales ManagementReferral Sources
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 requirements
- Ensure applications are accurate and include required 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 for underwriting, regulatory, and other purposes
- Send applications and required information to underwriting
- Underwrite loans using point-of-sale underwriting systems within scope of authority
- Communicate loan decisions and explain additional information needed
- Submit materials to processing, clear conditions, finalize commitments, and prepare for closing
- Coordinate with customers, underwriters, processors, realtors, closing agents, and others
- Attend closings as needed
- Participate in continuing education, seminars, homebuyer seminars, home shows, broker meetings, and 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- Bachelors degree or progressive work experience in addition to experience below
- 2+ Years of mortgage origination experience
- Proven Sales ability
- Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines
- Maintains the highest level of sales ability and negotiation skills
- Self-directed, ability to plan own activities to achieve sales goals
- Strong time management skills
- Excellent communication skills, both verbal and written
- 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 results on a criminal background check and a credit report check, with required statements/certification regarding government findings
- Occasional domestic travel
- Ability to perform sedentary work, multiple tasks, operate standard office equipment, sit continuously, and meet listed physical requirements
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 with manager
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Competitive benefits plan