Residential Mortgage Advisor

TD; Charlotte (NC); On-site; USD 13,000 - 19,000; Full time

Job summary

TD Bank is seeking a Mortgage Loan Officer in Charlotte, NC to originate residential mortgage loans and meet sales goals. You will take applications, explain loan options, and guide clients through the process from application to closing, while maintaining regulatory compliance and a focus on customer service.

The role requires 2+ years of origination experience, strong sales and communication skills, and the ability to manage timelines and documentation.

Qualifications

• Bachelor's degree or progressive work experience in addition to experience below.
• 2+ Years of mortgage origination experience.
• Proven Sales ability.
• Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines.
• Maintains the highest level of sales ability and negotiation skills.
• Self-directed, ability 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

Responsibilities

• 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

Skills

Sales ability

Communication

Time management

Self-directed

Education

Bachelor's degree or progressive work experience

Tools

Mortgage origination systems

Automated underwriting systems

Job description

TD Bank is seeking a Mortgage Loan Officer in Charlotte, NC to originate residential mortgage loans and meet sales goals. You will take applications, explain loan options, and guide clients through the process from application to closing, while maintaining regulatory compliance and a focus on customer service.

The role requires 2+ years of origination experience, strong sales and communication skills, and the ability to manage timelines and documentation.