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
• Explain required information and loan-process steps
• 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 business lines
• 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 authority
• Communicate loan decisions and additional information requirements to customers
• Submit materials to processing, clear conditions, finalize 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 products, laws, regulations, policies, and procedures through training and seminars
• Participate in homebuyer seminars, home shows, broker meetings, and financing workshops
• Recommend changes to products, programs, and pricing
• Support successful TD Bank 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 other 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 steps
• Ensure applications are accurate and include supporting 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 maintain accurate pipeline records
• Create supporting files for underwriting, regulatory, and other purposes
• Submit applications and required information to underwriting and processing
• Underwrite loans using point-of-sale underwriting systems within authority
• Communicate loan decisions and additional requirements to customers
• Clear conditions, 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 industry practices, products, mortgage laws, and regulations through training and seminars
• 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

• Sell and originate residential mortgage loans to sales goals
• 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 details
• Ensure applications are accurate and include required information and supporting 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 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 authority
• Communicate loan decisions and explain additional information needed
• 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, products, mortgage laws, and regulations 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