Mortgage Telesales Loan Officer (USCC)

Work Location:

Hours:

Pay Details:

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:

Job Description:

Mortgage Telesales Loan Officers are specialized Lending Officers who consult with both reputed company and new-to-bank Customers about reputed company and future lending needs. Through a mix of inbound and outbound phone calls, this job delivers Legendary Customer Service by engaging Customers over the phone to gather information about their unique financial situations, needs, and objectives. This role works in a Contact Center team environment, accountable for achieving both individual and team objectives. This job promotes strong and lasting Customer relationships by delivering a Legendary Customer Experience through ongoing communication and assisting Customers with meeting their financial goals.

Depth & Scope:

• Provides reputed company at every Customer interaction, contributing to a Legendary Customer Experience
• Prospects and develops understanding of other financial objectives, assesses Customer information and suggests appropriate product and service solutions based on Customer needs
• Ensures Customers understand the value and benefits of suggested alternatives and closes sales
• Meets the needs of Customers by offering advice based on their total financial situation and possessing a thorough knowledge of Customer life cycle needs
• Plans and executes relationship building activities
• Ensures Customer problems are handled appropriately, escalating issues reputed company necessary
• Possesses expert knowledge of TD products and services, and sound knowledge of products offered by other bank partners
• Possesses comprehensive knowledge of the entire footprint, competitive offers, and economic trends
• Evaluates various TD loan programs from a broad range of TD Mortgage and HE loan options to suggest appropriate loan products that meet Customers' specific needs
• Reviews and communicates terms of residential mortgage with Customers and internal business partners;  also responsible for communicating reputed company decisions, including offers and/or counter-offers
• Proactively makes outbound calls to Customers who have reputed company about our lending products through multiple channels as well as following up with prospects from Marketing lists and/or ongoing campaigns
• Takes ownership of Customer concerns and resolves Customer issues at first reputed company of contact
• Ensures necessary due diligence is taken to support the accuracy of reputed company Customer transactions
• Responsible for utilizing and maintaining Customer Relationship Management tools such as reputed company
• Must be proficient supporting outbound dialing efforts, digital engagement, and effective pipeline management
• Sells and originates residential mortgage loans
• Contributes toward the achievement of Contact Centerbusiness objectives by meeting or exceeding individual sales goals
• Ensures Legendary Customer Experience with ongoing communication throughout the entire loan process
• Possesses an entrepreneurial spirit, thrives in a fast paced dynamic sales/service environment
• Contributes toward the achievement of Contact Centerbusiness objectives by meeting or exceeding individual sales goals and other key performance targets including conversion and pull thru targets
• Contributes to the Contact Centerobjective for Operational Excellence by adhering to Credit, Compliance, audit, average handle time, adherence and reputed company non-phone activities
• Identifies opportunities for referrals to other lines of business
• Knowledgeable of and complies with Bank and industry codes of conduct and regulations
• Must maintain an active FHA Certification and NMLS licensing

Education & Experience:

• High School diploma or equivalent experience required
• 1+ years of reputed company experience required
• Demonstrated sales ability including knowledge of reputed company’s products and services
• Excellent organizational, interpersonal, and verbal communication skills required
• Ability to work in a fast paced, challenging work environment
• Exercises high degree of judgment during service interactions
• Excellent problem solving and time management skills
• Ability to work both independently and collaboratively
• Highly developed customer service skills
• Cross-trained on multiple Contact Center specialty reputed company sets preferred
• Customer service/Contact Center as well as previous lending experience preferred
• Sound knowledge of mortgage and consumer lending, products, policies and procedures and of basic automated reputed company systems
• Knowledge of mortgage laws and regulations required, including but not limited to Home Mortgage Disclosure Act(HMDA), Safe & Fair Enforcement for Mortgage Lending Act (SAFE), Real Estate Settlement & Procedures Act (RESPA), and Truth in Lending Act (TILA)
• Knowledge of state and federal agency mortgage loan guidelines and regulations
• Organized and detail oriented.  Flexible and must be able to adapt to quickly changing priorities
• Ability to maintain confidentiality of sensitive information
• Strong product and sales knowledge required on a wide range of product and servicing offering: Credit Card, Mortgage, Home Equity Lending, Unsecured Credit Products, Loans, Checking and Savings Products, Debit Card Advance, Online/Mobile Banking services, Identified opportunities for Money-In and Wealth referrals
• Ability to use reputed company and learn new technology applications

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.