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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 knowledge of mortgage products, lending practices, and regulatory guidelines. Proven ability to achieve sales goals through effective communication, negotiation, and customer relationship management.
Highest-signal resume keywords
Mortgage Origination ExperienceSales AbilityNegotiation SkillsKnowledge of Mortgage ProductsRegulatory Compliance
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 ProcessingUnderwritingLoan DocumentationPoint-of-Sale Underwriting SystemsAutomated Underwriting SystemsSales Goal AchievementTime ManagementBasic Arithmetic
Soft Skills
Excellent Verbal CommunicationExcellent Written CommunicationSelf-Directed Planning
Tools & Technologies
Mortgage Loan SystemPC Skills
Certifications & Qualifications
Registered Mortgage Loan OriginatorNMLS RegistrationRegulation Z Eligibility
Industry Keywords
Residential Mortgage LoansLending PracticesRegulatory GuidelinesMortgage ProductsCustomer Expectations Management
About the role
Key responsibilities & impact- Sell and originate residential mortgage loans to sales goals
- Meet with prospects referred by realtors, developers, attorneys, and internal and external referral sources
- Explain mortgage products and services and recommend options based on prospect needs
- Guide customers through the mortgage application process
- 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
- Enter loan information into the mortgage loan system and create supporting files
- Send applications and required information to underwriting and processing
- Underwrite loans using point-of-sale underwriting systems within authority
- Communicate loan decisions and additional information needed to customers
- 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 mortgage products, laws, regulations, policies, and industry trends
- 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 experience requirements
- 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 ability to plan activities to achieve sales goals
- Strong time management skills
- Excellent verbal and written communication skills
- PC skills and 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
- Occasional domestic travel
- Ability to perform sedentary work, multiple tasks, operate standard office equipment, sit, concentrate for long periods, read, write, comprehend instructions, and perform basic arithmetic
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