Mortgage Loan Officer- Columbia SC

Mortgage Loan Officer

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.

Depth & Scope :

• Meets with prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sources
• Explains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needs
• Guides customers through the mortgage application process
• Explains information required and other aspects of the loan process to customers
• Ensures applications are completed accurately and contain required information and supporting documentation
• Manages customers expectations regarding processing times and closing dates
• Sells and originates residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines
• Generates referrals for mortgage sales opportunities and sales of other company business line products
• Develops plan to achieve sales goals with assistance from sales management
• Enters information into mortgage loan system so that loans will appear accurately in the pipeline
• Creates supporting files with backup and explanatory documentation and information for underwriting, regulatory and other purposes
• Sends application and other required information to underwriting area
• Underwrites loans using point-of-sale underwriting systems within scope of authority
• Communicates loan decisions directly to customers and explains any additional information needed
• Submits application materials and other required information to processing area to clear any conditions, finalizes the loan commitment, and prepares for closing
• Communicates regularly with customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned
• Attends closings as needed
• Develops knowledge of current industry practices and trends by learning from more experienced sales personnel and by attending continuing education training and seminars, including but not limited to the full array of company products and services as well as mortgage laws and regulations
• Develops knowledge of policies, procedures, rules and regulations related to retail mortgage products
• Participates in homebuyers seminars, home shows, brokers meetings and other home financing workshops
• Recommends changes to products, programs and / or pricing
• Ensures TD Bank maintains successful audits and exams within all areas
• Deals with complex mortgage needs

Education & Experience :

OCC Language :

Physical Requirements :

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are :

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches / stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing and so will you.

Our Total Rewards Package :

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation / incentive awards (e.g., eligibility for cash and / or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

Additional Information :

We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of