Mortgage Loan Officer (Residential Mortgages)

Location: New York, New York, United States of America; full-time, 40 hours per week. Occasional domestic travel is required.

Salary: $17.00 per hour; the description also references a local minimum wage of $11.54 per hour plus commission.

Company

TD is a large financial institution providing banking products and services to households and businesses in Canada, the United States, and other markets.

What you will do

• Sell and originate residential mortgage loans while working toward established sales goals.
• Meet with prospects and explain mortgage products, terms, application requirements, and processing timelines.
• Guide customers through applications, documentation, underwriting conditions, loan decisions, and closing.
• Enter loan information into mortgage systems and prepare supporting files for underwriting, regulatory, and processing purposes.
• Coordinate with customers, underwriters, processors, realtors, closing agents, and referral partners.
• Participate in homebuyer seminars, home shows, broker meetings, and financing workshops while maintaining audit and regulatory standards.

Requirements

• Bachelor's degree or progressive work experience.
• At least 2 years of mortgage origination experience and proven sales ability.
• Knowledge of mortgage products, lending practices, industry regulations, and retail mortgage procedures.
• Strong negotiation, communication, planning, time management, and self-direction skills.
• Ability to use PCs and learn mortgage origination and automated underwriting systems.
• Must be eligible for employment with a covered financial institution and for registration as a mortgage loan originator with the NMLS under the SAFE Act. Satisfactory criminal background and credit report checks are required.

Culture & Benefits

• Training and onboarding are provided for the role.
• Regular development and performance conversations, online learning, mentoring, and career development opportunities.
• Health and well-being benefits, savings and retirement programs, paid vacation and holiday time, banking benefits, and discounts.
• Respectful workplace with equal employment opportunities and applicant accommodation support.

Hiring process

• Applicants of interest are contacted to schedule an interview.
• Application outcomes are communicated by email or phone when possible.