Mortgage Loan Officer (Mortgage Origination)

Location: Remote; work location listed as Coral Gables, Florida, United States of America

Salary: $15.00 per hour; the description also states a pay range of $11.54 per hour depending on local minimum wage plus commission.

Company

TD is a global financial institution and one of the largest banks in North America, serving households and businesses through personal and commercial banking.

What you will do

• Meet with prospects referred by realtors, developers, attorneys, and internal and external referral sources.
• Explain mortgage products, evaluate customer needs, and recommend suitable lending options.
• Guide customers through applications, documentation, underwriting, processing, commitment, and closing.
• Originate residential mortgage loans, manage sales goals, generate referrals, and develop plans to achieve targets.
• Enter and maintain accurate loan information, supporting files, and documentation for underwriting, regulatory, and audit purposes.
• Communicate with customers, underwriters, processors, realtors, closing agents, and other stakeholders; attend closings and participate in homebuyer seminars and related events.

Requirements

• Bachelor’s degree or progressive work experience in addition to the required experience.
• At least 2 years of mortgage origination experience.
• Eligibility for employment with a covered financial institution under Regulation Z.
• Eligibility for registration as a registered mortgage loan originator with the NMLS under the SAFE Act.
• Proven sales ability, negotiation skills, and developing knowledge of mortgage products, lending practices, industry practices, and regulatory guidelines.
• Self-direction, ability to plan activities to achieve sales goals, and strong time management skills.
• Excellent verbal and written communication skills.
• PC skills and ability to learn mortgage origination and automated underwriting systems.
• Satisfactory criminal background and credit report checks, together with required statements or certifications regarding government findings.

Culture & Benefits

• Remote workplace type with a full-time schedule of 40 hours.
• Base pay plus commission and opportunities for compensation progression based on skills, experience, knowledge, location, and business needs.
• Health and well-being benefits, savings and retirement programs, paid vacation, flex and holiday time off, banking benefits, and discounts.
• Training, onboarding, continuing education, mentoring, online learning, and regular career and development conversations.
• Respectful workplace with equal employment opportunities and support for workplace accommodations.

Hiring process

• Selected candidates will be contacted to schedule an interview.
• Training and onboarding sessions are provided.