Mortgage Loan Officer

This is a fully remote position, open to applicants in Florida.

📋 Description

• Originate and sell residential mortgage loans to achieve established sales targets.

• Meet with potential clients referred by realtors, developers, attorneys, and both internal and external referral sources.

• Provide explanations of mortgage products and services, recommending options tailored to client needs.

• Assist customers throughout the mortgage application process.

• Clarify required information and details about the loan process.

• Ensure accuracy in applications and that all required documentation is included.

• Manage customer expectations regarding processing timelines and closing dates.

• Generate referrals for mortgage opportunities as well as other company offerings.

• Develop strategies to meet sales goals in collaboration with sales management.

• Input data into the mortgage loan system and maintain reliable pipeline information.

• Create supporting files and documentation for underwriting, regulatory compliance, and other purposes.

• Forward applications and necessary information to underwriting.

• Underwrite loans using point-of-sale underwriting systems within authorized limits.

• Communicate loan decisions and request any additional information needed.

• Submit materials for processing, clear conditions, finalize commitments, and prepare for closing.

• Coordinate with customers, underwriters, processors, realtors, closing agents, and other stakeholders.

• Attend closings as required.

• Enhance understanding of industry practices, products, mortgage laws, and regulations through training and seminars.

• Participate in homebuyer seminars, home shows, broker meetings, and financing workshops.

• Suggest modifications to products, programs, and pricing.

• Assist in ensuring successful TD Bank audits and examinations.

• Address complex mortgage requirements.

⛳️ Requirements

• A bachelor's degree or progressive work experience in addition to the stated experience.

• A minimum of 2 years of mortgage origination experience.

• Proven track record in sales.

• Developing knowledge of the mortgage industry, products, lending practices, and regulatory frameworks.

• Exceptional sales and negotiation skills.

• Self-motivated and capable of planning activities to meet sales objectives.

• Strong time management abilities.

• Excellent verbal and written communication skills.

• Proficient in PC skills, including the ability to learn mortgage origination and automated underwriting systems.

• Must be eligible for employment with a covered financial institution under Regulation Z.

• Must qualify for registration as a registered mortgage loan originator with the NMLS under the SAFE Act.

• A satisfactory criminal background check and credit report check are required.

• Required disclosures/certifications regarding any administrative, civil, and/or criminal findings by government agencies or authorities.

• Availability for occasional domestic travel.

• Ability to perform sedentary work, manage multiple tasks, and operate standard office equipment continuously.

• Capability to sit and focus for extended periods.

• Ability to read, write, understand instructions, and perform basic arithmetic consistently.

🏝️ Benefits

• Variable compensation and incentive awards, including eligibility for cash and/or equity incentive awards.

• Health and wellness benefits.

• Savings and retirement programs.

• Paid time off, encompassing Vacation PTO, Flex PTO, and Holiday PTO.

• Banking benefits and discounts.

• Opportunities for career development.

• Reward and recognition programs.

• Regular discussions on career development and performance.

• Access to an online learning platform.

• Mentoring initiatives.

• Training and onboarding sessions.

• Opportunities for domestic travel.

• A competitive benefits package.