Community Mortgage Loan Officer (Mortgage Lending)

Location: Columbia, South Carolina, United States

Salary: $28.85 per hour

Company

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

What you will do

• Originate residential mortgage loans and communicate product options, underwriting decisions, terms, conditions, and required disclosures.
• Build and maintain referral relationships with community organizations, nonprofit groups, Realtors, builders, attorneys, financial planners, and state and local housing agencies.
• Develop mortgage opportunities focused on Community Reinvestment Act, low- and moderate-income, multicultural, and first-time homebuyer segments.
• Guide customers through applications, documentation, processing, underwriting conditions, closing timelines, and closings as needed.
• Represent the bank at housing seminars, financial literacy programs, affordable housing conferences, and community initiatives.
• Maintain accurate mortgage system records, monitor the pipeline, track market developments, and report progress toward sales goals.

Requirements

• Bachelor’s degree or progressive work experience, plus 3 or more years of related experience.
• In-depth knowledge of mortgage products, lending practices, affordable housing markets, assistance programs, and applicable regulations.
• Active registration status with the NMLS and eligibility for registration as a mortgage loan originator under the SAFE Act.
• Established community-based referral network focused on affordable housing and first-time homebuyer education.
• Demonstrated sales ability, self-direction, planning, time management, and PC skills, including mortgage origination and automated underwriting systems.
• Eligibility for employment with a covered financial institution, satisfactory criminal background and credit checks, and required regulatory certifications.

Culture & Benefits

• Full-time schedule of 40 hours per week.
• Base salary with potential variable compensation or incentive awards.
• Health and well-being benefits, savings and retirement programs, paid vacation and holiday time, banking benefits, and discounts.
• Training, onboarding, career development conversations, mentoring programs, and access to an online learning platform.
• Occasional domestic travel is required; international travel is not required.

Hiring process

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