Mortgage Loan Officer

• 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 contain required documentation
• Manage customer expectations regarding processing times and closing dates
• Generate referrals for mortgage sales opportunities and other company business lines
• Develop plans to achieve sales goals with sales management
• Enter information into mortgage loan systems and create supporting files
• Send applications and required information to underwriting
• Underwrite loans using point-of-sale underwriting systems within authority
• Communicate loan decisions and additional information needed to customers
• Submit materials to processing, clear conditions, finalize loan commitments, and prepare for closing
• Coordinate with customers, underwriters, processors, realtors, closing agents, and others
• Attend closings as needed
• Maintain knowledge of industry practices, mortgage laws, regulations, products, and procedures through training and seminars
• Participate in homebuyer seminars, home shows, brokers' meetings, and home financing workshops
• Recommend changes to products, programs, and pricing
• Ensure TD Bank maintains successful audits and examinations
• Handle complex mortgage needs

• Meet with prospects identified directly or referred by realtors, developers, attorneys, and other referral sources
• Explain available mortgage products and services and recommend options based on prospect needs
• Guide customers through the mortgage application process
• Explain required information and other aspects of the loan process
• Ensure applications are accurate and include required documentation
• Manage customer expectations regarding processing times and closing dates
• Sell and originate residential mortgage loans under established policies, procedures, and legal/regulatory guidelines
• Generate referrals for mortgage sales 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 records
• 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 explain additional information needed
• Submit materials to processing, clear conditions, finalize commitments, and prepare loans for closing
• Communicate with customers, underwriters, processors, realtors, closing agents, and others throughout the application process
• Attend closings as needed
• Build knowledge of industry practices, mortgage products, laws, regulations, policies, and procedures through training and seminars
• Participate in homebuyer seminars, home shows, brokers’ meetings, and home financing workshops
• Recommend changes to products, programs, and pricing
• Help ensure TD Bank maintains successful audits and examinations
• Handle complex mortgage needs

• 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
• Explain required information and loan-process requirements
• Ensure applications are accurate and include required documentation
• Manage customer expectations regarding processing times and closing dates
• Generate referrals for mortgage sales opportunities and other company products
• Develop plans to achieve sales goals with sales management
• Enter information into mortgage loan systems and maintain accurate pipeline records
• Create supporting files and documentation for underwriting, regulatory, and other purposes
• Submit applications and required information to underwriting and processing
• Underwrite loans using point-of-sale underwriting systems within scope of 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 practices, products, laws, regulations, policies, and procedures through training and seminars
• Participate in homebuyer seminars, home shows, broker meetings, and home financing workshops
• Recommend changes to products, programs, and pricing
• Ensure TD Bank maintains successful audits and examinations
• Handle complex mortgage needs

• 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

Mortgage Loan Officer jobs in New Jersey