Mortgage Loan Officer- Greenville SC

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, and selling and originating loans according to established policies and procedures.

Responsibilities

• Met with prospects, including those referred by realtors, developers, attorneys, and other sources
• Explain various mortgage products and services available and offer recommendations based on individual prospect needs
• Guide customers through the mortgage application process
• Ensure applications are completed accurately and contain required information and supporting documentation
• 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 sales of other Company business line products
• Develop a plan to achieve sales goals with assistance from sales management
• Enter information into mortgage loan system to ensure loans appear accurately in the pipeline
• Create supporting files with backup and explanatory documentation and information for underwriting, regulatory, and other purposes
• Send application and other required information to underwriting area
• Underwrite loans using point-of-sale underwriting systems within scope of authority
• Communicate loan decisions directly to customers and explain any additional information needed
• Submit application materials and other required information to 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 as planned
• Attend closings as needed
• Develop knowledge of current industry practices and trends by learning from more experienced sales personnel and attending 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 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 the highest level 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

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 (Nationwide Mortgage Licensing System and Registry)

Satisfactory results on a criminal background check and a credit report check

Skills

Knowledge of current industry practices and trends

Knowledge of policies, procedures, rules, and regulations related to retail mortgage products

Ability to learn mortgage origination and automated underwriting systems

Benefits

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD.

Pay

$11.54 per hour depending on established local minimum wage plus commission

Schedule

Hours 40