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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates extensive expertise in managing the Retail Credit Loan Origination process, including processing, underwriting, and closing residential mortgage loans. Possesses strong leadership abilities to develop staff, ensure compliance with regulations, and maintain operational excellence.
Highest-signal resume keywords
Residential Mortgage Loan ExperienceManagement ExperienceCMB CertificationFHA DE DesignationVA LAPP Designation
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Loan OriginationProcessingUnderwritingClosingResidential Loan DocumentationFNMA DUFHLMC LPProject ManagementRegulatory ComplianceCRA Products Knowledge
Soft Skills
Excellent Communication SkillsDetail-OrientedSelf-MotivatedStrong Organizational SkillsAnalytical SkillsDecision-Making SkillsAbility to Multitask
Tools & Technologies
Automated Underwriting SystemsStandard Office EquipmentPC Skills
Certifications & Qualifications
CMB CertificationFHA DE DesignationVA LAPP Designation
Industry Keywords
Residential Lending LawsCompliance RequirementsInvestor PoliciesMortgage DocumentationConventional LoansFHA LoansVA LoansJumbo LoansAlt-A LoansLoan Requests Structuring
About the role
Key responsibilities & impact- Oversee the end-to-end Retail Credit Loan Origination process within the assigned unit
- Manage daily pipeline, workflow, turnaround, productivity, process management, account management, and quality monitoring
- Hire talent, set goals, develop staff, manage performance and compensation decisions, promote teamwork, and handle disciplinary actions
- Oversee single- to multifaceted Retail Credit and Loan Origination functions and disciplines
- Manage assigned staff and provide daily leadership across policy, account management, processing, underwriting, and closing functions
- Ensure operations team members follow established policies and procedures
- Meet or exceed operational metrics for processing, underwriting, and closing
- Ensure accurate loan delivery
- Provide training and guidance to team members and sales staff, including management-level team members
- Support TD Bank's mission, vision, strategic goals, quality initiatives, and service standards
- Coach and mentor operations staff
- Comply with audit, regulatory, and compliance requirements
- Develop and maintain business relationships with Retail, Product, and other business partners
- Facilitate partnership meetings
Requirements
What you’ll need- Bachelor's degree or relevant work experience in addition to the specified experience
- 5+ years of residential mortgage loan experience with conventional, FHA, and VA loans and consumer loan experience
- 5+ years of management experience with overall responsibility for processing, underwriting, and closing residential mortgage loans
- Extensive working knowledge of residential loan documentation
- Complete knowledge of FNMA DU and FHLMC LP automated underwriting systems
- Familiarity with mortgage documentation for jumbo loans, FHA, VA, and niche products such as Alt-A loans
- CMB certification
- FHA DE and/or VA LAPP designations
- Excellent oral and written communication skills
- Excellent PC skills and familiarity with standard office equipment
- Ability to work in a fast-paced dynamic environment
- Detail-oriented, self-motivated, with strong organizational, analytical, and decision-making skills
- Knowledge of regulatory, investor, and departmental policies for compliance and residential lending laws
- Knowledge of CRA products and industry
- Project management skills
- Ability to multitask effectively
- Ability to communicate with all levels of management
- Ability to structure and process loan requests creatively
- 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 under the SAFE Act
- Satisfactory criminal background check and credit report check, plus required applicant statements/certifications regarding government findings
- Must be commutable to Jacksonville, FL; Charlotte, NC; Mt Laurel, NJ; Portland, ME; Lewiston, ME; Boca Raton, FL; or Greenville, SC
- Additional hours and/or weekend hours may be required based on business volume and turn times
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
- Accommodation support for applicants with disabilities