Community Mortgage Loan Officer -Coral Gables FL

Community Mortgage Loan Officer

The Community Mortgage Loan Officer identifies, develops and maintains a quality network of community-based organizations, realtors, and local state/government agencies that serves as a recurring source of referrals of new mortgage lending opportunities with an emphasis on the Community Reinvestment Act (CRA), Low-and Moderate-Income (LMI), Multicultural and First Time Homebuyer customer segments. The individual would have an extensive understanding of the local Affordable Housing Market, Housing Assistance Programs, and experience providing thoughtful mortgage lending solutions and guidance to low-and moderate-income, Multicultural and First Time Homebuyers.

Depth and Scope:

• Takes residential mortgage loan applications and communicates underwriting decisions
• Increases mortgage loan volume, focusing on CRA, low-and moderate-income, and multicultural borrowers
• Establishes relationships with nonprofit organizations, realtors, state and local housing offices, and community-based affordable housing organizations
• Represents the bank in community-based meetings and initiatives
• Explains variety of mortgage products and services
• Sells other Company products and services as appropriate
• Guides customers through the mortgage application process
• Communicates regularly with customers, underwriters, processors, realtors, closing agents and others
• Informs management of progress relative to goals
• Sells and originates residential mortgage loans
• Maintains current information on the trends and developments in the local real estate market
• Maintains growing network of outside referral sources
• Enters information into mortgage loan system

Education & Experience:

• Bachelors degree or progressive work experience in addition to experience below
• 3+ years related experience required
• Growing network of outside contacts to generate quality referral business
• Self-directed, ability to plan own activities to achieve sales goals
• Excellent time management skills
• PC skills, including knowledge of mortgage origination and automated underwriting systems
• Employee must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry)
• Established network of community-based organizations, municipalities and agencies whose primary focus is affordable housing and first time home buyer education
• Demonstrated sales ability
• In-depth knowledge of mortgage industry, products, lending practices and regulatory guidelines
• Growing network of outside contacts to generate referral flow
• Minimum target annual loan originations of 48 LMI/multicultural units

Physical Requirements:

• Domestic Travel Occasional
• International Travel Never
• Performing sedentary work Continuous
• Performing multiple tasks Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds Occasional
• Sitting Continuous
• 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 forward Occasional
• Pushing Never
• Pulling Never
• Twisting Never
• Concentrating for long periods of time Continuous
• Applying common sense to deal with problems involving standardized situations Continuous
• Reading, writing and comprehending instructions Continuous
• Adding, subtracting, multiplying and dividing Continuous

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 & duties are considered essential functions for ADA purposes.

Who We Are: TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

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.

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 thrive 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. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

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.