Mortgage Loan Officer (Mortgage Lending)

Location: Vienna, Virginia, United States; occasional domestic travel may be required.

Salary: $12.77 per hour; the description also lists $11.54 per hour depending on the established local minimum wage, plus commission.

Company

TD is a large financial institution serving households and businesses across Canada, the United States, and other markets.

What you will do

• Sell and originate residential mortgage loans in line with company policies, legal requirements, and regulatory guidelines.
• Meet with prospects and explain mortgage products, services, terms, and application requirements.
• Guide customers through applications, manage expectations about processing and closing dates, and communicate loan decisions.
• Prepare accurate applications and supporting documentation for underwriting, regulatory review, and processing.
• Use mortgage loan and point-of-sale underwriting systems to enter information, underwrite loans within authorized limits, and clear conditions.
• Coordinate with customers, underwriters, processors, realtors, closing agents, and referral partners through closing.

Requirements

• Bachelor's degree or progressive work experience combined with the required background.
• At least 2 years of mortgage origination experience.
• Proven sales ability, negotiation skills, and knowledge of mortgage products, lending practices, and regulatory guidelines.
• Self-directed planning, strong time management, and excellent verbal and written communication skills.
• Ability to use standard PC applications and learn mortgage origination and automated underwriting systems.
• Eligibility for registration as a mortgage loan originator with the NMLS and employment eligibility under applicable federal regulations are required; criminal background and credit report checks are also required.

Culture & Benefits

• Full-time schedule of 40 hours.
• Training and onboarding are provided.
• Benefits include health and well-being coverage, savings and retirement programs, paid vacation and holiday time, banking benefits, and discounts.
• Career development includes regular development conversations, online learning, mentoring, and training programs.
• A respectful workplace with equal employment opportunities and accommodation support.

Hiring process

• Selected candidates will be contacted to schedule an interview.
• Application outcomes are communicated by email or phone when possible.