Community Mortgage Loan Officer- Forest Hills NY

Job Overview Location: Forest Hills, New York, United States of America Hours: 40 Pay: $33.66 - $33.66 USD Line of Business: Personal & Commercial Banking Responsibilities Takes residential mortgage loan applications and communicates underwriting decisions, including offers and/or counter offers of residential mortgage products. Increases mortgage loan volume, focusing on CRA, low‑and‑moderate‑income, and multicultural borrowers through effective selling of the Bank's products and programs. Researches organizations and agencies within assigned geographic area which are focused on providing services to low and moderate income persons and communities. Establishes through direct outreach efforts relationships with nonprofit organizations, realtors, state and local housing offices, and community‑based affordable housing organizations to generate and increase CRA mortgage opportunities. Represents the bank in community‑based meetings and initiatives such as housing seminars, financial literacy programs, affordable housing conferences, etc., which have the primary focus of providing services to low‑and moderate‑income persons. Explains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needs; communicates terms and conditions of loans and finalizes sales. Sells other Company products and services as appropriate. Guides customers through the mortgage application process; explains information required and delivers required disclosures and other information to customers; ensures applications are completed accurately and contain required information and supporting documentation; manages expectations regarding processing times and closing dates together with customers. Communicates regularly with customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned; coordinates any additional information requests, clarifications and other problem solving as needed so that process remains on schedule; attends closings as needed. Informs management of progress relative to goals on a regular basis and asks for assistance as needed to finalize sales, for training and for other issues as needed. Sells and originates residential mortgage loans according to established policies, procedures and applicable legal and regulatory guidelines. Communicates loan decisions directly to customers, explains any additional information needed and submits application materials and other required information to processing area to clear any conditions to finalize the loan commitment and prepare for closing. Maintains current information on the trends and developments in the local real estate market, as well as policies, procedures, rules and regulations related to retail mortgage products. Maintains growing network of outside referral sources in assigned territory, such as real estate brokers, builders, attorneys, accountants, financial planners and other business professionals; continues researching market, identifying individuals and organizations likely to produce referrals and developing relationships to increase the referral flow; ensures referral sources have current information on mortgage products and services. 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. Qualifications Bachelor’s degree or progressive work experience; in addition, 3+ years related experience required. Growing network of outside contacts to generate quality referral business. Self‑directed with ability to plan own activities to achieve sales goals. Excellent time management skills. PC skills, including knowledge of mortgage origination and automated underwriting systems. Must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry). Established network of community‑based organizations, municipalities and agencies whose primary focus is affordable housing and first time home buyer education. Demonstrated sales ability. In‑depth knowledge of mortgage industry, products, lending practices and regulatory guidelines. Minimum target annual loan originations of 48 LMI/multicultural units. Eligible to register as a registered mortgage loan originator with the NMLS under Regulation Z and the SAFE Act. Physical Requirements Never: 0% Occasional: 1‑33% Frequent: 34‑66% Continuous: 67‑100% Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment – Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Never Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Never Pushing – Occasional Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous Equal Opportunity & Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at View email address on click.appcast.io. #J-18808-Ljbffr TD Bank, N.A.