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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates strong understanding of mortgage lending, underwriting guidelines, and customer service excellence. Proficient in managing loan applications, facilitating communication among stakeholders, and adhering to regulatory requirements.
Highest-signal resume keywords
Mortgage Lending KnowledgeUnderwriting Guidelines ExpertiseCustomer Service SkillsLoan Origination Systems ProficiencyRegulatory Compliance Knowledge
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 Loan OriginationUnderwriting GuidelinesDocument ManagementPipeline ManagementCredit Memo WritingLoan Application ProcessingIncome and Asset ReviewCustomer Database DevelopmentSales Follow-UpLead Management
Soft Skills
Interpersonal SkillsCommunication SkillsOrganizational SkillsDetail OrientedProblem-Solving Skills
Certifications & Qualifications
NMLS Registration EligibilityRegulation Z Compliance
Industry Keywords
Mortgage GuidelinesHome Mortgage Disclosure ActRESPAReg ZState and Federal Agency Guidelines
About the role
Key responsibilities & impact- Facilitate day-to-day sales functions of Mortgage Loan Officers
- Act as the main communication facilitator between the MLO, sourcing agents, customers, vendors, mortgage operations, and sales support
- Serve as a central point of contact for customers to resolve issues and difficulties
- Assist high-producing loan officers with timely completion of loan applications
- Actively manage document collection from origination to closing
- Manage the Mortgage Loan Officers’ pipeline, track deliverables, and update borrowers on loan status
- Set customer expectations regarding rate inquiries, third-party providers, loan status, and other information
- Confirm appointments and review required application documents with customers
- Facilitate full or partial application intake
- Discuss products and pricing at the loan officer’s request or absence
- Review files for potential income and asset issues and remedy them before underwriting
- Assist in structuring deals to meet underwriting guidelines
- Advocate for client files and manage underwriting escalations when necessary
- Explain TD underwriting guidelines to borrowers
- Write credit memos explaining unique circumstances and summarizing lending requests
- Liaise between Loan Officers, Mortgage Operations, and Sales Support
- Develop a customer database to support new marketing opportunities
- Follow up with sales leads on behalf of the MLO
- Proactively manage the lead pipeline with the MLO
- Build relationships with MLO referral partners independently
- Provide high-level service to internal and external customers
- Assist in other areas as needed
Requirements
What you’ll need- High School Diploma or GED
- 2-3 Years of related experience
- Strong understanding of underwriting and mortgage guidelines
- Exceptional interpersonal and sales skills for following up with prospective borrowers
- Sound knowledge of mortgage lending, products, policies and procedures
- Demonstrated computer skills, including proficiency with basic mortgage loan origination systems
- Highly developed customer service skills
- Ability to explain complex mortgage information in simple understandable terms
- Ability to operate effectively in a dynamic detail oriented environment
- Knowledge of mortgage laws and regulations required, including Home Mortgage Disclosure Act, RESPA, and Reg Z
- Knowledge of state and federal agency mortgage loan guidelines and regulations
- Organized and detail oriented
- Ability to effectively prioritize workload and meet deadlines
- Ability to maintain confidentiality of sensitive information
- Strong communication skills, both verbal and written
- Strong computer skills
- 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 in accordance with the SAFE Act
- Satisfactory criminal background check, credit report, and required government-agency findings statements
- Occasional domestic travel; no international travel
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
- Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
- Equal opportunity employment and accommodation support