mortgage originator

ESL Federal Credit Union

<div>Why Originate Mortgages for ESL Federal Union?
<ul>
<li>As a $10 billion financial institution with over 445,000 members, ESL has 33 branches and 5 call center teams for internal lead generation.</li>
<li>Strong product offering including conventional, Government loans, Investment properties, Physician&rsquo;s Program, Second homes, Jumbo, High Net Worth, Portfolio.</li>
<li>Servicing retained for all mortgages except VA</li>
<li>Competitive, consistent and transparent pricing philosophy</li>
<li>Processing, underwriting and mortgage loan servicing handled in Rochester, NY</li>
<li>Mortgages are eligible for ESL Owner&rsquo;s Dividend</li>
</ul><h4 class="jobSectionHeader">As an Employee You Receive:</h4>

Comprehensive Benefits:
<ul>
<li>ESL offers a competitive benefits package which focuses on providing a work life balance for all employees. Our benefits include robust options such as our wellness program, family assistance plan, 401k with match, paid volunteer time and Learning &amp; Development training among many others.</li>
</ul>
Pay and Incentive Plan:
<ul>
<li>Position pay is a $30,000 draw plus a tiered basis points incentive schedule to be discussed during interview. A transition pay package will be offered for an initial period of time.</li>
<li>In addition to competitive pay and benefits, we offer an annual performance-based incentive that rewards eligible employees for their contributions to our success.</li>
</ul>
<div></div><div>Openings are available in the Syracuse, NY, and Watertown, NY areas. May consider Rochester, NY or Finger Lakes region locations for strong, well qualified candidates or a Bilingual-Spanish candidate.</div> 
<div></div>
<div>
<div>Purpose of Position:
</div>
</div>Accountable for development and maintenance of relationships outside of the credit union to increase mortgage volume. This position will take mortgage applications and assist members through the mortgage process. Works in conjunction with the Mortgage Team and third party stakeholders to ensure an expedient process.
Accountabilities:
<div>
Cultivate and develop relationships within the real estate community to increase volume of loan application within ESL policies and procedures</div>
<ul><li>Promotes ESL within the community</li></ul>
<ul><li>Attend networking events</li></ul>
<ul><li>Engage in applicable community activities</li></ul>
<ul><li>Prospecting activities</li></ul>
<ul><li>Meet or exceed identified performance objectives in all related agreements</li></ul>
<ul><li>All activities to be consistent with credit union mission and purpose</li></ul>
<div></div>
<div>Accountable for delivering a superior customer experience to both the borrowers and their realtors through proficient understanding of product offering and industry practices enabling thorough and accurate residential real estate applications</div>
<ul><li>Consults with applicants on various types of financing solutions</li></ul>
<ul><li>Proficient in understanding underwriting standards and compliance guidelines</li></ul>
<ul><li>Gathers applicable file documentation and completes required origination system entries</li></ul>
<ul><li>Accurate and timely updates in order to move the loan application through process</li></ul>
<ul><li>Ongoing communication through funding with focus on critical milestone dates</li></ul>
<ul><li>Consistently meets service level agreements
</li></ul>
<div></div><div>Ensure internal customer satisfaction objectives are achieved through meeting operational standards and maintaining productive and positive relationships</div>
<div></div>
<div>Participation of team activities, initiatives and other duties as assigned.
</div><ul><li>Provide leadership and guidance in mentoring staff across Mortgage Lending and the Front-Line on the overall sales and mortgage application process where applicable.</li></ul>
<h4 class="jobSectionHeader">Qualifications:</h4>
<ul><li>Bachelor&rsquo;s degree or 4 additional years of equivalent experience in mortgage lending/real estate/real estate secured lending. A combination of equivalent education and experience may be considered as a Mortgage Originator, or in lieu of the previous experience; successful completion of the Mortgage Sales Development program.</li>
<li>Minimum 2 years mortgage origination/sales experience with demonstrated success meeting monthly goals or successful completion of Mortgage Origination/Sales Development Program plus 1 year of origination experience.
<ul><li>Willingness and ability to develop trusting Realtor and Centers of Influence (COI) partnerships
</li><li>Excellent communication and interpersonal skills</li>
<li>Strong external sales and networking skills</li>
<li>Detailed understanding of Government Sponsored Enterprise (GSE) requirements, Federal Housing Administration (FHA) and other real estate standards.</li>
</ul></li><li>Successfully registered as a Mortgage Loan Originator through ESL</li>
<li>Must complete submission of application to the NMLS within the first week of employment and subsequently be successfully registered as a Mortgage Loan Originator through ESL</li>
</ul><h4 class="jobSectionHeader">Preferred Qualifications:</h4>
<ul><li>Bilingual- Spanish</li>
</ul>
We&rsquo;re committed to diversity, equity, and inclusion. We believe we are a stronger, more successful organization because of this commitment. We strive to ensure a robust talent pool of qualified candidates with a variety of skillsets and capabilities for all our openings. We hire great people and welcome all new hires to our award-winning work environment, which has been recognized by the Great Place to Work Institute since 2010.
<div>
#LI-KS1</div>
<div>#LI-Hybrid</div></div>

Business Development Mortgage Originator

AnnieMac Home Mortgage

<div>AnnieMac Home Mortgage is looking to hire Full Time External Mortgage Loan Originators to establish referral source relationships for a steady flow of loan volume from real estate brokers and other external sources. Candidates should have experience directly related to the Mortgage Industry. Under the direct supervision of the Branch Manager, the job responsibilities of the External Mortgage Loan Originator position include, but are not limited to, the following:<ul><li>
Primary duty is to sell mortgage loans to customers away from and outside of AnnieMac Home Mortgages places of business. Work done at AnnieMac Home Mortgages offices is related and supplemental to outside sales.</li><li>
Generate new business by building and maintaining relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other relevant professionals.</li><li>
Regularly participate in mortgage sales including, but not limited to, attending closings and open houses, and conducting seminars and other lead-generating activities.</li><li>
Take information from the borrower and fill out the loan application.</li><li>
Develop relationships with referral partners such as realtors to generate new customers.</li><li>
Analyze the prospective borrowers income and debt and pre-qualify the prospective borrower to determine the maximum mortgage that the prospective borrower can afford.</li><li>
Counsel the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available, and demonstrating how closing costs and monthly payments would vary under each product.</li><li>
Collect financial information (tax returns, bank statements) and other related documents that are part of the application process;</li><li>
Provide disclosures to the borrower, including truth in lending, good faith estimate, and others.</li><li>
Counsel and advise the borrower in understanding and clearing credit problems.</li><li>
Maintain regular contact with the borrower, realtors, and the lender, between application and closing to apprise them of the status of the application and to gather any additional information as needed.</li><li>
Order legal documents.</li><li>
Review HUDS prior to closing.</li></ul><ul><li>
Must have appropriate state license or certificate (varies by state).</li><li>
Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.</li><li>
Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.</li><li>
Must be familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.)</li><li>
Must have excellent communication skills and the ability to analyze financial information.</li><li>
Must be a sales-oriented self-starter.</li></ul>
Work Environment/Physical Demands: Travel is required 80% of the time.
AnnieMac Home Mortgage offers a wide range of benefits, including medical, dental and vision plans, along with voluntary benefits, including 401K.
***AnnieMac Home Mortgage is an Equal Opportunity Employer***
***AnnieMac Home Mortgage participates in E-Verify.***</div>

Outside Loan Originator

FAR Inspections

<div>Ad Ref: FAR-01466<div><div>
Do not fill out any form or use any other apply button on this page. Use the blue link below to submit your application.</div></div><h1 class="jobSectionHeader">
Apply HERE Only</h1>
FAR Inspections is actively seeking a reliable independent contractor to perform residential mortgage inspections in Livingston County, Missouri and surrounding communities. If you live in or near Chillicothe or anywhere in Livingston County, this is a great opportunity to earn supplemental or full-time income on your own schedule.
FAR Inspections is a leading provider of property data for mortgage lenders nationwide. Based in Reno, NV, we have a 12-year track record of excellence and stability in the mortgage field services industry. We partner with highly motivated independent contractors who prioritize accuracy, reliability, and professional autonomy.<h3 class="jobSectionHeader">
The Opportunity</h3>
Earn a predictable supplemental or full-time income on a flexible schedule that you control. As a Field Inspector covering Livingston County, you will perform residential occupancy verifications. These are brief, exterior visits to confirm property status and report on general conditions.<ul><li>
Autonomy: You manage your own routing, schedule, and territory.</li><li>
Efficiency: Standard inspections are designed for speed, typically requiring only 5&ndash;6 minutes on-site.</li><li>
Consistency: Enjoy stable, month-to-month volume in your assigned county.</li></ul><h3 class="jobSectionHeader">
Workflow &amp; Responsibilities</h3><ul><li>
Determine property occupancy status based on industry-standard indicators.</li><li>
Capture 9+ photos and submit brief reports using industry-standard mobile applications.</li><li>
Maintain a high level of reliability regarding territory coverage and deadlines.</li></ul>
Note: This role requires spending extended periods of time driving and making numerous stops throughout the day in your assigned territory. This territory covers a spacious rural county with longer drives between stops. A fuel-efficient vehicle and comfort with country roads are especially valuable.<h3 class="jobSectionHeader">
Requirements</h3>
As an independent contractor, you are responsible for providing your own equipment, including:<ul><li>
Reliable, fuel-efficient vehicle.</li><li>
Smartphone (Android or iPhone) capable of running mobile reporting apps.</li><li>
Computer with an internet connection and a printer.</li><li>
Strong time-management skills to meet deadlines without direct supervision.</li><li>
Ability to pass a standard background check.</li></ul><h3 class="jobSectionHeader">
Earnings &amp; Volume</h3><ul><li>
Flat-Rate Pay: This is a 1099 position where you are paid a set fee for every inspection completed.</li><li>
Earning Potential: While pay is per-inspection, efficient contractors typically earn the equivalent of $25&ndash;$35 per hour.</li><li>
Volume: Rates and inspection volume vary by county. Lower volume counties typically feature higher per-inspection rates, while higher volume counties offer more consistent daily work.</li><li>
This Territory: Livingston County averages approximately 5 inspections per month.</li></ul><h1 class="jobSectionHeader">
Apply HERE Only</h1><div><div>
Do not fill out any form or use any other apply button on this page. Use the blue link above to submit your application.</div></div>
6IXQnehGsX</div>

Route-Based Mortgage Occupancy Operator

<div>
 
 Ad Ref: FAR-00745
 
 
 Do not fill out any form or use any other apply button on this page. Use the blue link below to submit your application.
 
 Apply HERE Only
 
 FAR Inspections is actively seeking a reliable independent contractor to perform residential mortgage inspections in Kane County, Illinois and surrounding communities. If you live in or near Aurora or anywhere in Kane County, this is a great opportunity to earn supplemental or full-time income on your own schedule.
 
 
 FAR Inspections is a leading provider of property data for mortgage lenders nationwide. Based in Reno, NV, we have a 12-year track record of excellence and stability in the mortgage field services industry. We partner with highly motivated independent contractors who prioritize accuracy, reliability, and professional autonomy.
 
 The Opportunity
 
 Earn a predictable supplemental or full-time income on a flexible schedule that you control. As a Field Inspector covering Kane County, you will perform residential occupancy verifications. These are brief, exterior visits to confirm property status and report on general conditions.
 
 <ul>
 <li>
 
 Autonomy:
 
 You manage your own routing, schedule, and territory.
 </li>
 <li>
 
 Efficiency:
 
 Standard inspections are designed for speed, typically requiring only 5&ndash;6 minutes on-site.
 </li>
 <li>
 
 Consistency:
 
 Enjoy stable, month-to-month volume in your assigned county.
 </li>
 </ul>
 Workflow &amp; Responsibilities
 <ul>
 <li>
 Determine property occupancy status based on industry-standard indicators.
 </li>
 <li>
 Capture 9+ photos and submit brief reports using industry-standard mobile applications.
 </li>
 <li>
 Maintain a high level of reliability regarding territory coverage and deadlines.
 </li>
 </ul>
 
 
 Note: This role requires spending extended periods of time driving and making numerous stops throughout the day in your assigned territory. This territory covers a dense metro area where familiarity with city driving, parking, and navigating multi-unit properties is helpful.
 
 
 Requirements
 
 As an independent contractor, you are responsible for providing your own equipment, including:
 
 <ul>
 <li>
 Reliable, fuel-efficient vehicle.
 </li>
 <li>
 Smartphone (Android or iPhone) capable of running mobile reporting apps.
 </li>
 <li>
 Computer with an internet connection and a printer.
 </li>
 <li>
 Strong time-management skills to meet deadlines without direct supervision.
 </li>
 <li>
 Ability to pass a standard background check.
 </li>
 </ul>
 Earnings &amp; Volume
 <ul>
 <li>
 
 Flat-Rate Pay:
 
 This is a 1099 position where you are paid a set fee for every inspection completed.
 </li>
 <li>
 
 Earning Potential:
 
 While pay is per-inspection, efficient contractors typically earn the equivalent of $25&ndash;$35 per hour.
 </li>
 <li>
 
 Volume:
 
 Rates and inspection volume vary by county. Lower volume counties typically feature higher per-inspection rates, while higher volume counties offer more consistent daily work.
 </li>
 <li>
 
 This Territory:
 
 Kane County averages approximately 90 inspections per month.
 </li>
 </ul>
 Apply HERE Only
 
 Do not fill out any form or use any other apply button on this page. Use the blue link above to submit your application.
 
</div>

Self-Directed Mortgage Occupancy Walker

Cardinal Financial Company Limited Partnership

<div>Description:

Who We Are:
Cardinal Financial is a nationwide direct mortgage lender that focuses on creating solutions for our borrowers, partners, and employees&mdash;to provide the very best experience. We are genuine and hard-working individuals who are not scared to improve and intentionally push beyond what is considered &ldquo;good enough&rdquo;
Looking to join a growing company that values its people, innovates, and expands on its proprietary technology? Apply below!
Who We Need:
The Loan Originator Assistant (LOA) works alongside a designated Loan Originator or Production Team in a sales environment to provide support to Customers, Loan Originators, Production Leaders, and Operations partners. This position is responsible for providing mortgage assistance such as out-bound calls to clients, income calculation, and other miscellaneous administrative deadline-based tasks. The LOA assists Mortgage Loan Originators with managing their pipelines while providing superior customer service by maintaining consistent communication with clients and assisting them through specific workflows.
What You Will Do:<ul><li>
 Reviews loan application, supporting documentation, and credit authorization.</li><li>
 Keeps current understanding of all loan program guidelines, pricing, policies and procedures.</li><li>
 Documents all client conversations in loan origination software with timely follow up in CRM.</li><li>
 Provides daily/weekly status of files in progress to Loan Originator/Production Team or Leadership as well as the Client.</li><li>
 Communicates status updates and appropriately escalate issues and opportunities to meet the needs of clients and homeowners.</li><li>
 Assists clients with the utilization of the Origination system (Octane).</li><li>
 Collect and submit/file vendor validations from borrowers.</li><li>
 Maintains a positive working relationship with internal departments and external contacts.</li><li>
 Processes borrower documents in an accurate and timely manner following proper internal protocol and procedures.</li><li>
 Performs specific tasks assigned by Loan Originator or Production Leader.</li><li>
 Communicates and partners closely with Operations to ensure a smooth and accurate loan process.</li><li>
 Schedules new leads and appointments and calls with clients as needed.</li><li>
 Responds to client&rsquo;s questions and concerns in a timely manner in accordance with team/department SLA expectations.</li><li>
 Performs a variety of research and administrative duties in support of the Loan Originator/Production Team.</li><li>
 Ensures loan Turn Time requirements are achieved.</li></ul>
Requirements:

What You Need:<ul><li>
 High school diploma or GED is required.</li><li>
 1-3 Years experience in Customer Service/Customer-Facing role is preferred.</li><li>
 0-2 Years experience working within the Mortgage Industry is preferred.</li><li>
 Basic understanding of financial documents i.e. assets, income, and credit is preferred.</li><li>
 Ability to effectively manage multiple demands and competing priorities.</li><li>
 Ability to adapt well to change, take direction, and comprehend training.</li><li>
 Fast-paced individual with exceptional analytical and computer skills.</li><li>
 Demonstrated ability to thrive in a multi-faceted, fast paced, ever changing environment.</li><li>
 Detail oriented with excellent verbal and written communication skills.</li><li>
 Demonstrated organizational skills.</li><li>
 Ability to work closely within a team structure.</li><li>
 Working knowledge of Microsoft Suite, specifically Word and Excel.</li><li>
 Working knowledge of Encompass software system a plus.</li><li>
 Ability to execute and interpret AUS, evaluate findings, and work accordingly.</li></ul>
What We Offer:<ul><li>
Strength, Stability, and Vision</li><li>
Great compensation package</li><li>
Opportunity for career growth</li><li>
A commitment to be a relevant market leader - we are aiming for the top!</li><li>
Octane, our engineered proprietary technology that is transforming the mortgage industry</li><li>
An empowered culture where your ideas are important and your voice matters</li><li>
Full Benefits, beginning the first day of the month following your start date, including &ndash; Medical, Dental, Vision, Life, Disability Insurance, and much more</li><li>
Generous paid time off package that also includes all major holidays</li><li>
401K w/ 50% match up to a maximum employee contribution of 5%- Beginning the 1st of the month following 30-days of employment</li></ul>
 Cardinal Financial is an Equal Opportunity Employer. We respect and aim to empower individuals and support the diverse cultures, perspectives, skills, and experiences within our workforce. California residents click here to review Cardinal's California Employee Privacy Policy &amp; Notice at Collection. . The expected base salary for this position ranges from thirty three thousand dollars to fifty two thousand dollars, determined based on the applicant's experience, skillset, education, training, certificates, and licenses.</div>

Loan Originator Assistant | Consumer Direct - Remote

Wells Fargo

<div>About this role: 
 
Wells Fargo is seeking a CA-WA Private Mortgage Banker (SAFE) in Consumer Lending as part of Home Lending. Learn more about our career areas and lines of business at wellsfargojobs.com . 
 
In this role you will:<ul><li>
Participate in soliciting residential mortgages from various sources</li><li>
Produce high quality jumbo loans which are compliant and provide excellent customer service</li><li>
Build relationships focused on affluent borrowers with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources</li><li>
Develop and maintain a high degree of visibility for Wells Fargo Home Mortgage in the marketplace; stay informed of mortgage industry trends and developments in the assigned market</li><li>
Present recommendations for producing loans and exercise some independent judgment while developing understanding of and adherence to Private Mortgage Banking Sales functional area, policies, procedures, compliance requirements, and generating loans</li><li>
Understand real estate appraisals, title reports, and real estate transactions</li><li>
Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in; analyze and offer mortgage loan products based on client needs</li><li>
Review and analyze low to moderately complex financial and credit data; match customer needs with an appropriate loan program and level of risk</li><li>
Inform prospective and existing customers of Wells Fargo Home Mortgage programs, rates, policies, underwriting requirements, and loan procedures; maintain high standard of client satisfaction and quality by ensuring timely and proactive customer communication</li><li>
Pursue Wells Fargo training offerings to increase knowledge of company products, policies and procedures, and underwriting requirements</li><li>
This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below</li></ul>
Required Qualifications:<ul><li>
2+ years of Private Mortgage Banking Sales experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, or education</li></ul>
Desired Qualifications:<ul><li>
Basic Microsoft Office skills</li><li>
Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources</li><li>
Excellent verbal, written, and interpersonal communication skills</li><li>
Mortgage industry experience
</li><li>Knowledge and understanding of sales prospecting and generating referrals
</li><li>Customer service experience</li><li>
Experience working with high net-worth clients</li></ul>
Job Expectations:<ul><li>
This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) website (http://fedregistry.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary</li><li>
Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary</li><li>
Completion of formal position specific training programs</li><li>
Reliable transportation</li><li>
Ability to work nights, weekends, and/or holidays as needed or scheduled</li></ul>
Bellevue, WA $20.82/hour 
 
#LI-MF4 
 
Pay Range 
 
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. 
$0.00 - $0.00 
Benefits
 
 
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.<ul><li>
Health benefits</li><li>
401(k) Plan</li><li>
Paid time off</li><li>
Disability benefits</li><li>
Life insurance, critical illness insurance, and accident insurance</li><li>
Parental leave</li><li>
Critical caregiving leave</li><li>
Discounts and savings</li><li>
Commuter benefits</li><li>
Tuition reimbursement</li><li>
Scholarships for dependent children</li><li>
Adoption reimbursement</li></ul>
Posting End Date: 
14 May 2026 
<ul><li>Job posting may come down early due to volume of applicants.
</li></ul> 
We Value Equal Opportunity 
 
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. 
 
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. 
 
Applicants with Disabilities 
 
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo . 
 
Drug and Alcohol Policy 
 
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. 
 
Wells Fargo Recruitment and Hiring Requirements: 
 
a. Third-Party recordings are prohibited unless authorized by Wells Fargo. 
 
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.</div>

Private Mortgage Banker

<div>Work Location:
Providence, Rhode Island, United States of America
Hours:
40
Pay Details:
$16.00 - $16.00 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business:
Personal &amp; Commercial Banking
Job Description:
The Mortgage Loan Officer sells and originates residential mortgage loans to sales goals. The Mortgage Loan Officer takes residential mortgage loan applications and offers or negotiates terms of residential mortgage loans. Pay Range- $11.54 per hour depending on established local minimum wage plus commission.
Depth &amp; Scope:
<ul><li>Meets with Prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sources
</li><li>Explains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needs
</li><li>Guides Customers through the mortgage application process
</li><li>Explains information required and other aspects of the loan process to Customers
</li><li>Ensures applications are completed accurately and contain required information and supporting documentation
</li><li>Manages Customers expectations regarding processing times and closing dates
</li><li>Sells and originates residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines
</li><li>Generates referrals for mortgage sales opportunities and sales of other Company business line products
</li><li>Develops plan to achieve sales goals with assistance from sales management
</li><li>Enters information into mortgage loan system so that loans will appear accurately in the pipeline
</li><li>Creates supporting files with backup and explanatory documentation and information for underwriting, regulatory and other purposes
</li><li>Sends application and other required information to underwriting area
</li><li>Underwrites loans using point-of-sale underwriting systems within scope of authority
</li><li>Communicates loan decisions directly to Customers and explains any additional information needed
</li><li>Submits application materials and other required information to processing area to clear any conditions, finalizes the loan commitment, and prepares for closing
</li><li>Communicates regularly with Customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned
</li><li>Attends closings as needed
</li><li>Develops knowledge of current industry practices and trends by learning from more experienced sales personnel and by attending continuing education training and seminars, including but not limited to the full array of Company products and services as well as mortgage laws and regulations
</li><li>Develops knowledge of policies, procedures, rules and regulations related to retail mortgage products
</li><li>Participates in homebuyers' seminars, home shows, brokers' meetings and other home financing workshops
</li><li>Recommends changes to products, programs and/or pricing
</li><li>Ensures TD Bank maintains successful audits and exams within all areas
</li>Deals with complex mortgage needs 
<li>
</li></ul> 
Education &amp; Experience:
<ul><li>Bachelors degree or progressive work experience in addition to experience below
</li><li>2+ Years of mortgage origination experience
</li><li>Proven Sales ability
</li><li>Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines
</li><li>Maintains the highest level of sales ability and negotiation skills
</li><li>Self-directed, ability to plan own activities to achieve sales goals
</li><li>Strong time management skills
</li><li>Excellent communication skills, both verbal and written
</li>PC skills, including ability to learn mortgage origination and automated underwriting systems 
<li>
</li></ul> 
OCC Language:
<ul><li>This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. &sect;&sect; 5102 et seq., and its implementing regulations, 12 CFR Part 1007
</li><li>Must be eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36
</li><li>Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. &sect;&sect; 5102 et seq., and its implementing regulations, 12 CFR Part 1007
</li>Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority, are required by federal law for this position 
<li>
</li></ul> 
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
<ul><li>Domestic Travel &ndash; Occasional
</li><li>International Travel &ndash; Never
</li><li>Performing sedentary work &ndash; Continuous
</li><li>Performing multiple tasks &ndash; Continuous
</li><li>Operating standard office equipment - Continuous
</li><li>Responding quickly to sounds &ndash; Occasional
</li><li>Sitting &ndash; Continuous
</li><li>Standing &ndash; Occasional
</li><li>Walking &ndash; Occasional
</li><li>Moving safely in confined spaces &ndash; Occasional
</li><li>Lifting/Carrying (under 25 lbs.) &ndash; Occasional
</li><li>Lifting/Carrying (over 25 lbs.) &ndash; Never
</li><li>Squatting &ndash; Occasional
</li><li>Bending &ndash; Occasional
</li><li>Kneeling &ndash; Never
</li><li>Crawling &ndash; Never
</li><li>Climbing &ndash; Never
</li><li>Reaching overhead &ndash; Never
</li><li>Reaching forward &ndash; Occasional
</li><li>Pushing &ndash; Never
</li><li>Pulling &ndash; Never
</li><li>Twisting &ndash; Never
</li><li>Concentrating for long periods of time &ndash; Continuous
</li><li>Applying common sense to deal with problems involving standardized situations &ndash; Continuous
</li><li>Reading, writing and comprehending instructions &ndash; Continuous
</li><li>Adding, subtracting, multiplying and dividing &ndash; Continuous
</li></ul>The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities &amp; duties are considered essential functions for ADA purposes.
Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package 
 
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more
Additional Information:
 
We&rsquo;re delighted that you&rsquo;re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we&rsquo;re committed to providing the support our colleagues need to thrive both at work and at home.
 
 
Colleague Development
If you&rsquo;re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You&rsquo;ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. 
If you&rsquo;re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training &amp; Onboarding
 
We will provide training and onboarding sessions to ensure that you&rsquo;ve got everything you need to succeed in your new role.
 
 
Interview Process
 
We&rsquo;ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.</div>

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