Mortgage Loan Officer- Florida Gulf Coast

About the role

The Mortgage Loan Officer sells and originates residential mortgage loans to sales goals. The Mortgage Loan Officer takes residential mortgage loan applications and offers or negotiates terms of residential mortgage loans. The role involves meeting with prospects, guiding customers through the mortgage application process, managing customer expectations, selling and originating loans, and ensuring compliance with policies and regulations.

Responsibilities

• Met with prospects, including those referred by realtors, developers, attorneys, and other sources
• Explain various mortgage products and services and offer recommendations based on individual needs
• Guide customers through the mortgage application process, explaining required information and aspects of the loan process
• Avoid errors in applications and ensure all required information and supporting documentation are included
• Manage customer expectations regarding processing times and closing dates
• Sell and originate residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines
• Generate referrals for mortgage sales opportunities and other Company business line products
• Develop a plan to achieve sales goals with assistance from sales management
• Enter information into the mortgage loan system to ensure accurate pipeline representation
• Create supporting files with necessary documentation for underwriting, regulatory, and other purposes
• Send applications and other required information to the underwriting area
• Underwrite loans using point-of-sale underwriting systems within authority limits
• Communicate loan decisions directly to customers and explain any additional information needed
• Submit application materials and other required information to the processing area to clear any conditions, finalize the loan commitment, and prepare for closing
• Communicate regularly with customers, underwriters, processors, realtors, closing agents, and others to ensure the application process proceeds smoothly
• Attend closings as needed
• Develop knowledge of current industry practices and trends by learning from more experienced sales personnel and participating in continuing education training and seminars
• Participate in homebuyers' seminars, home shows, brokers' meetings, and other home financing workshops
• Recommend changes to products, programs, and/or pricing
• Ensure TD Bank maintains successful audits and exams within all areas
• Deal with complex mortgage needs

Requirements

• Bachelor's degree or equivalent progressive work experience in addition to 2+ years of mortgage origination experience
• Proven sales ability
• Developing knowledge of mortgage industry, products, lending practices, and regulatory guidelines
• Maintain high levels of sales ability and negotiation skills
• Self-directed, able to plan own activities to achieve sales goals
• Strong time management skills
• Excellent communication skills, both verbal and written
• Proficient in PC skills, including ability to learn mortgage origination and automated underwriting systems

Qualifications

• Eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act
• Eligible for registration as a registered mortgage loan originator with the NMLS in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008
• Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority

Skills

Knowledge of current industry practices and trends, ability to learn from more experienced sales personnel and attend continuing education training and seminars, knowledge of policies, procedures, rules, and regulations related to retail mortgage products, ability to develop knowledge of policies, procedures, rules, and regulations related to retail mortgage products, ability to participate in homebuyers' seminars, home shows, brokers' meetings, and other home financing workshops, ability to recommend changes to products, programs, and/or pricing, ability to ensure TD Bank maintains successful audits and exams within all areas, ability to deal with complex mortgage needs, ability to meet with prospects, including those referred by realtors, developers, attorneys, and other sources, ability to explain various mortgage products and services and offer recommendations based on individual needs, ability to guide customers through the mortgage application process, ability to manage customer expectations regarding processing times and closing dates, ability to sell and originate residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines, ability to generate referrals for mortgage sales opportunities and other Company business line products, ability to develop a plan to achieve sales goals with assistance from sales management, ability to enter information into the mortgage loan system to ensure accurate pipeline representation, ability to create supporting files with necessary documentation for underwriting, regulatory, and other purposes, ability to send applications and other required information to the underwriting area, ability to underwrite loans using point-of-sale underwriting systems within authority limits, ability to communicate loan decisions directly to customers and explain any additional information needed, ability to submit application materials and other required information to the processing area to clear any conditions, finalize the loan commitment, and prepare for closing, ability to communicate regularly with customers, underwriters, processors, realtors, closing agents, and others to ensure the application process proceeds smoothly, ability to attend closings as needed, ability to develop knowledge of current industry practices and trends by learning from more experienced sales personnel and participating in continuing education training and seminars, ability to participate in homebuyers' seminars, home shows, brokers' meetings, and other home financing workshops, ability to recommend changes to products, programs, and/or pricing, ability to ensure TD Bank maintains successful audits and exams within all areas, ability to deal with complex mortgage needs, ability to meet with prospects, including those referred by realtors, developers, attorneys, and other sources, ability to explain various mortgage products and services and offer recommendations based on individual needs, ability to guide customers through the mortgage application process, ability to manage customer expectations regarding processing times and closing dates, ability to sell and originate residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines, ability to generate referrals for mortgage sales opportunities and other Company business line products, ability to develop a plan to achieve sales goals with assistance from sales management, ability to enter information into the mortgage loan system to ensure accurate pipeline representation, ability to create supporting files with necessary documentation for underwriting, regulatory, and other purposes, ability to send applications and other required information to the underwriting area, ability to underwrite loans using point-of-sale underwriting systems within authority limits, ability to communicate loan decisions directly to customers and explain any additional information needed, ability to submit application materials and other required information to the processing area to clear any conditions, finalize the loan commitment, and prepare for closing, ability to communicate regularly with customers, underwriters, processors, realtors, closing agents, and others to ensure the application process proceeds smoothly, ability to attend closings as needed, ability to develop knowledge of current industry practices and trends by learning from more experienced sales personnel and participating in continuing education training and seminars, ability to participate in homebuyers' seminars, home shows, brokers' meetings, and other home financing workshops, ability to recommend changes to products, programs, and/or pricing, ability to ensure TD Bank maintains successful audits and exams within all areas, ability to deal with complex mortgage needs, ability to meet with prospects, including those referred by realtors, developers, attorneys, and other sources, ability to explain various mortgage products and services and offer recommendations based on individual needs, ability to guide customers through the mortgage application process, ability to manage customer expectations regarding processing times and closing dates, ability to sell and originate residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines, ability to generate referrals for mortgage sales opportunities and other Company business line products, ability to develop a plan to achieve sales goals with assistance from sales management, ability to enter information into the mortgage loan system to ensure accurate pipeline representation, ability to create supporting files with necessary documentation for underwriting, regulatory, and other purposes, ability to send applications and other required information to the underwriting area, ability to underwrite loans using point-of-sale underwriting systems within authority limits, ability to communicate loan decisions directly to customers and explain any additional information needed, ability to submit application materials and other required information to the processing area to clear any conditions, finalize the loan commitment, and prepare for closing, ability to communicate regularly with customers, underwriters, processors, realtors, closing agents, and others to ensure the application process proceeds smoothly, ability to attend closings as needed, ability to develop knowledge of current industry practices and trends by learning from more experienced sales personnel and participating in continuing education training and seminars, ability to participate in homebuyers' seminars, home shows, brokers' meetings, and other home financing workshops, ability to recommend changes to products, programs, and/or pricing, ability to ensure TD Bank maintains successful audits and exams within all areas, ability to deal with complex mortgage needs, ability to meet with prospects, including those referred by realtors, developers, attorneys, and other sources, ability to explain various mortgage products and services and offer recommendations based on individual needs, ability to guide customers through the mortgage application process, ability to manage customer expectations regarding processing times and closing dates, ability to sell and originate residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines, ability to generate referrals for mortgage sales opportunities and other Company business line products, ability to develop a plan to achieve sales goals with assistance from sales management, ability to enter information into the mortgage loan system to ensure accurate pipeline representation, ability to create supporting files with necessary documentation for underwriting, regulatory, and other purposes, ability to send applications and other required information to the underwriting area, ability to underwrite loans using point-of-sale underwriting systems within authority limits, ability to communicate loan decisions directly to customers and explain any additional information needed, ability to submit application materials and other required information to the processing area to clear any conditions, finalize the loan commitment, and prepare for closing, ability to communicate regularly with customers, underwriters, processors, realtors, closing agents, and others to ensure the application process proceeds smoothly, ability to attend closings as needed, ability to develop knowledge of current industry practices and trends by learning from more experienced sales personnel and participating in continuing education training and seminars, ability to participate in homebuyers' seminars, home shows, brokers' meetings, and other home financing workshops, ability to recommend changes to products, programs, and/or pricing, ability to ensure TD Bank maintains successful audits and exams within all areas, ability to deal with complex mortgage needs, ability to meet with prospects, including those referred by realtors, developers, attorneys, and other sources, ability to explain various mortgage products and services and offer recommendations based on individual needs, ability to guide customers through the mortgage application process, ability to manage customer expectations regarding processing times and closing dates, ability to sell and originate residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines, ability to generate referrals for mortgage sales opportunities and other Company business line products, ability to develop a plan to achieve sales goals with assistance from sales management, ability to enter information into the mortgage loan system to ensure accurate pipeline representation, ability to create supporting files with necessary documentation for underwriting, regulatory, and other purposes, ability to send applications and other required information to the underwriting area, ability to underwrite loans using point-of-sale underwriting systems within authority limits, ability to communicate loan decisions directly to customers and explain any additional information needed, ability to submit application materials and other required information to the processing area to clear any conditions, finalize the loan commitment, and prepare for closing, ability to communicate regularly with customers, underwriters, processors, realtors, closing agents, and others to ensure the application process proceeds smoothly, ability to attend closings as needed, ability to develop knowledge of current industry practices and trends by learning from more experienced sales personnel and participating in continuing education training and seminars, ability to participate in homebuyers' seminars, home shows, brokers' meetings, and other home financing workshops, ability to recommend changes to products, programs, and/or pricing, ability to ensure TD Bank maintains successful audits and exams within all areas, ability to deal with complex mortgage needs, ability to meet with prospects, including those referred by realtors, developers, attorneys, and other sources, ability to explain