Mortgage Loan Officer

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

📋 Description

• Originate and sell residential mortgage loans to meet sales objectives.

• Engage with potential clients referred by realtors, developers, attorneys, and other sources.

• Clarify mortgage products and suggest options tailored to client needs.

• Assist customers throughout the mortgage application journey.

• Provide details on required information and the loan processing procedure.

• Ensure loan applications are precise and contain all necessary documentation.

• Manage client expectations concerning processing times and closing schedules.

• Generate referrals for mortgage opportunities and additional company offerings.

• Collaborate with sales management to formulate strategies for achieving sales targets.

• Input data into the mortgage loan system and uphold accurate pipeline documentation.

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

• Submit applications and requisite information to the underwriting team.

• Underwrite loans utilizing point-of-sale underwriting systems within designated authority.

• Relay loan decisions and additional information requirements to clients.

• Forward materials to processing, address conditions, finalize commitments, and prepare for closing.

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

• Attend closing sessions as necessary.

• Enhance knowledge through ongoing education, training, and seminars.

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

• Propose modifications to products, programs, and pricing structures.

• Ensure compliance during TD Bank audits and examinations.

• Address complex mortgage requirements.

⛳️ Requirements

• Bachelor's degree or relevant progressive work experience alongside the required experience.

• Over 2 years of experience in mortgage origination.

• Demonstrated sales proficiency.

• Developing understanding of the mortgage industry, products, lending practices, and regulatory standards.

• Exceptional sales aptitude and negotiation capabilities.

• Self-motivated with the ability to organize personal activities to achieve sales targets.

• 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 qualify for employment with a covered financial institution under Regulation Z.

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

• Successful completion of a criminal background check and credit report check.

• Occasional domestic travel required.

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

• Capability to sit for extended periods and respond quickly to sounds as needed.

• Must be able to read, write, comprehend instructions, and perform basic arithmetic tasks continuously.

🏝️ Benefits

• Eligibility for commissions.

• Comprehensive health and wellness benefits.

• Savings and retirement plans.

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

• Banking benefits and discounts.

• Opportunities for career advancement.

• Recognition and rewards programs.

• Regular discussions regarding career development and performance.

• Access to an online learning platform.

• Mentorship opportunities.

• Structured training and onboarding sessions.