Realtors/Mortgage Professionals

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. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. Personal & Commercial Banking

Job Description: 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. Pay Range- $11.54 per hour depending on established local minimum wage plus commission.

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

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

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

Ensures TD Bank maintains successful audits and exams within all areas

Deals with complex mortgage needs

Bachelors degree or progressive work experience in addition to experience below

• 2+ Years of mortgage origination experience
• Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines
• PC skills, including ability to learn mortgage origination and automated underwriting systems

OCC Language:

This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.Must be eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36

Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.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, are required by federal law for this position

Domestic Travel – Occasional

International Travel – Never

Operating standard office equipment - Continuous

Reading, writing and comprehending instructions – Continuous

Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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. 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. [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 mentoring programs to help you unlock future opportunities.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Here at TD, we hire and develop the best.

Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

We do our best to communicate outcomes to all applicants by email or phone call.

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 joinrs.com@td.