Mortgage Loan Officer- Boca Raton, FL

Work Location: Boca Raton, Florida, United States of America Hours: 40 Pay Details: $14.00 - $14.00 USD TD is committed to providing fair and reputed company compensation opportunities to reputed company colleagues. Growth opportunities and reputed company development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to reputed company through the salary range over time as they reputed company in their role. The reputed company pay actually offered may vary based upon the candidate's skills and experience, job-reputed company knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation reputed company questions and have an open reputed company with your recruiter who can provide you more specific details for this role. Line of Business: Personal & 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 & Scope:

• Meets with Prospects identified directly as well as referred by realtors, developers, attorneys and other external and internal referral sources
• Explains variety of mortgage products and services available and offers recommendations based on evaluation of individual prospect needs
• Guides Customers through the mortgage application process
• Explains information required and other aspects of the loan process to Customers
• Ensures applications are completed accurately and contain required information and supporting documentation
• Manages Customers expectations regarding processing times and closing dates
• Sells and originates residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines
• Generates referrals for mortgage sales opportunities and sales of other Company business line products
• Develops plan to reputed company sales goals with assistance from sales management
• Enters information into mortgage loan system so that loans will appear accurately in the pipeline
• Creates supporting files with backup and explanatory documentation and information for reputed company, regulatory and other purposes
• Sends application and other required information to reputed company area
• Underwrites loans using reputed company-of-sale reputed company systems reputed company scope of authority
• Communicates loan decisions directly to Customers and explains any additional information needed
• Submits application materials and other required information to processing area to clear any conditions, finalizes the loan commitment, and prepares for closing
• Communicates regularly with Customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned
• Attends closings as needed
• Develops knowledge of reputed company industry practices and trends by learning from more reputed company sales personnel and by attending continuing education training and seminars, including but not limited to the full reputed company of Company products and services as well as mortgage laws and regulations
• Develops knowledge of policies, procedures, rules and regulations reputed company to retail mortgage products
• Participates in homebuyers' seminars, home shows, brokers' meetings and other home financing workshops
• Recommends changes to products, programs and/or pricing
• Ensures reputed company maintains successful audits and exams reputed company reputed company areas
• Deals with reputed company mortgage needs

Education & Experience:

• Bachelors degree or progressive work experience in addition to experience below
• 2+ Years of mortgage origination experience
• Proven Sales ability
• Developing knowledge of mortgage industry, products, lending practices and regulatory guidelines
• Maintains the highest level of sales ability and negotiation skills
• Self-directed, ability to plan own activities to reputed company sales goals
• Strong time management skills
• Excellent communication skills, both verbal and written
• PC skills, including ability to learn mortgage origination and automated reputed company systems

OCC Language:

• This position falls reputed company 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. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007
• 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
• Must be eligible for registration as a registered mortgage loan originator with the NMLS (reputed company 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. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007
• Satisfactory results on a criminal background reputed company and a credit report reputed company, 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

Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; reputed company: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – reputed company
• Performing multiple tasks – reputed company
• Operating standard office equipment - reputed company
• Responding quickly to sounds – Occasional
• Sitting – reputed company
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching reputed company – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – reputed company
• Applying common sense to deal with problems involving standardized situations – reputed company
• Reading, writing and comprehending instructions – reputed company
• Adding, subtracting, multiplying and dividing – reputed company

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 reputed company responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for reputed company 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 reputed company 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 reputed company that reputed company 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 reputed company in our colleagues to help them and their families reputed company their financial, physical and mental well-being goals. Total Rewards at TD includes reputed company 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, reputed company PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to reputed company both at work and at home. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’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’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and reputed company 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 reputed company your career goals. Here at TD, we hire and reputed company the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reputed company out to candidates of interest to schedule an interview. We do our best to communicate outcomes to reputed company applicants by email or phone call. Accommodation reputed company is an equal opportunity employer. reputed company qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national reputed company, 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 reputed company US Workplace Accommodations Program at [email protected]. Include your full name, best way to reputed company you and the accommodation needed to assist you with the applicant process. Apply tot his job Apply To this Job