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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, regulatory guidelines, and underwriting processes. Proven ability to achieve sales goals through effective communication, customer management, and relationship building.
Highest-signal resume keywords
Mortgage Origination ExperienceSales AbilityNegotiation SkillsKnowledge of Regulatory GuidelinesCommunication 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 Application ProcessingUnderwritingPipeline ManagementLoan DocumentationAutomated Underwriting Systems
Soft Skills
Time ManagementCustomer Relationship ManagementProblem Solving
Tools & Technologies
Mortgage Loan SystemPoint-of-Sale Underwriting Systems
Certifications & Qualifications
Registered Mortgage Loan OriginatorNMLS Registration
Industry Keywords
Residential Mortgage LoansLending PracticesMortgage ProductsRegulation ZSAFE Act
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 recommend options based on prospect needs
- Guide customers through the mortgage application process
- Explain required information and loan-process details
- 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 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 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
- Participate in continuing education, seminars, homebuyer seminars, home shows, broker meetings, and financing workshops
- Develop knowledge of mortgage products, policies, procedures, laws, and regulations
- 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 required experience
- 2+ years of mortgage origination experience
- Proven sales ability
- Developing knowledge of mortgage industry, products, lending practices, and regulatory guidelines
- Sales ability and negotiation skills
- 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 NMLS under the SAFE Act
- Satisfactory criminal background check and credit report check
- Required statements/certification regarding administrative, civil, and/or criminal findings by government agencies/authorities
- Occasional domestic travel
- Ability to perform sedentary work, multiple tasks, and operate standard office equipment continuously
- Ability to sit continuously and perform required occasional physical activities
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
- Accommodation support for applicants with disabilities