Mortgage Loan Officer

• Meet with prospects identified directly or referred by realtors, developers, attorneys, and other referral sources
• Explain mortgage products and services 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
• Sell and originate residential mortgage loans according to policies, procedures, and legal/regulatory guidelines
• 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 data
• Create supporting files and documentation for underwriting, regulatory, and other purposes
• Send applications and required information to underwriting
• Underwrite loans using point-of-sale underwriting systems within authorized scope
• Communicate loan decisions and additional information needed to customers
• Submit materials to processing, clear conditions, finalize loan commitments, and prepare for closing
• Communicate with customers, underwriters, processors, realtors, closing agents, and others
• Attend closings as needed
• Maintain knowledge of industry practices, mortgage products, laws, regulations, policies, and procedures
• Participate in homebuyer seminars, home shows, brokers' meetings, and home-financing workshops
• Recommend changes to products, programs, and pricing
• Support successful TD Bank audits and examinations
• Handle complex mortgage needs

Explore Mortgage Loan Officer at TD. Review requirements and application details.