Job Description
A Mortgage Loan Opening and Disclosure Specialist plays a crucial role in the mortgage lending process. Their primary responsibilities typically include:
Key Responsibilities 1. Loan Application Review: o Reviewing loan applications for completeness and accuracy.
o Verifying borrower information and supporting documentation, such as income and
credit history.
2. Mortgage Disclosure Preparation:
o Ensuring all required disclosures are accurately prepared and provided to borrowers
in compliance with regulations (e.g., Truth in Lending Act, Real Estate Settlement
Procedures Act).
3. Collaboration with Teams:
o Working closely with loan officers, underwriters, and compliance teams to ensure a
smooth loan opening process.
o Coordinating with third-party vendors (e.g., appraisers, title companies) as needed.
4. Regulatory Compliance:
o Staying up to date with changes in mortgage regulations and ensuring all processes
align with current laws.
5. Documentation:
o Maintaining accurate records of all disclosures and communications.
o Preparing necessary documentation for loan origination and compliance audits.
Skills Required
• Attention to Detail: Thoroughness in reviewing loan documents and regulatory
requirements.
• Communication Skills: Ability to effectively explain financial concepts to borrowers.
• Organizational Skills: Capability to manage multiple loan applications simultaneously.
• Knowledge of Mortgage Products: Familiarity with various mortgage products and
Regulatory Compliance requirements.
• Previous experience in mortgage banking/lending is required
This is a full-time, in-office position.
$34k-71k yearly est. 30d ago
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Loan Boarding Coordinator
Berkadia 4.9
Loan specialist job in Ambler, PA
Berkadia, a joint venture of Berkshire Hathaway and Leucadia National Corporation, is an industry leading commercial real estate company providing comprehensive capital solutions and investment sales advisory and research services for multifamily and commercial properties. Berkadia is amongst the largest, highest rated and most respected primary, master and special servicers in the industry.
As a Freddie Mac Program Plus lender, Fannie Mae DUS Multifamily Seller/Servicer, insurance company correspondent, and HUD, MAP and LEAN originator and servicer, Berkadia provides access to capital and flexible, customized lending and servicing solutions for the acquisition, construction, rehabilitation and refinance of multifamily and commercial properties. Berkadia also provides interim and short-term financing through its Proprietary Bridge Lending Program.
Job Description
JOB SUMMARY
The Loan Boarding Coordinator is responsible for adding originated and acquired loan products to the loan servicing system, both manually and via electronic upload.
DUTIES & RESPONSIBILITIES
·
Performs Post-Closing process, interpret loan documents and boards all originated loan products and acquired loans;
·
Ensures all loan document packages are complete and follows up with lending positions or third party originators on exceptions;
·
Runs system edit reports and pass new loans into production on the McCracken system;
·
Performs after-pass functions such as adding/changing applicable codes and boards non-critical loan information (Phase 2) to the McCracken system;
·
Prepares e-forms to process escrow and reserve funds on newly boarded and acquired loans;
·
Communicates with Client Relations (Agency/CMBS/Private Label) to understand new products and ensure proper coding when boarding to the McCracken system and communicates with Loan Administration (Tax/Insurance/Reserves) to notify them of time-sensitive/critical issues;
·
Keeps abreast of new products and ensures proper coding when analyzing loans for upload to the McCracken system;
·
Supports incoming acquired loan servicing including coordination with the prior servicer, preparation of Mapping Tool spreadsheets for bulk boarding of acquired loan portfolios, uploading the Mapping Tool spreadsheet to pass loans to production, and the reconciliation of and application of funds to the acquired loans;
·
Performs all tasks in support of outgoing transfers of servicing, including coordination with the successor servicer, the timely delivery of data files and electronic documents, wire transfer of funds, and bulk coding of transferred loans on the system;
·
Reviews loan modification documents to identify system changes required by the modification; tracks modifications in the MTS system, and submits forms to adjust the loan consistent with the modified terms. Files correspondence and other records in preparation for imaging;
·
Completes Welcome Letters, review and print out emails with Interest Only calculations to prepare ARM Welcome Letters;
·
Monitors and maintains New Loan Boarding and Acquisitions/Conversions shared mailboxes;
·
Provides support to staff with the ET transfer process for loading loans electronically;
·
Assists with duties as relates to processing and returning corrected specially serviced CMBS, Agency and third party loan modifications;
·
Interacts with attorneys, borrower, loan officer, investor and servicing confirm ordering of third party reports.
Qualifications
PROFESSIONAL EXPERIENCE / MINIMUM QUALIFICATIONS
·
Two years previous experience in a similar position, preferred;
·
Real Estate experience preferred (Commercial Real Estate experience a plus);
·
Experience in and understand of how loans are set up, the supporting workflow, etc.;
·
Experience reading, reviewing, and comprehending legal documentation, preferably related to commercial loans;
·
Required proficiency in Microsoft Office Suite - and McCracken experience preferred.
KNOWLEDGE/SKILLS/ABILITIES
·
Strong writing and reading skills;
·
Strong time management, problem solving skills;
·
Passionate, Self-motivated and driven, with keen attention to detail, action-and-results oriented;
·
Exhibit a high level of individual initiative and ownership.
Additional Information
Environment, Physical Demands and Other Conditions:
Experience with in a team-oriented, collaborative environment
Ability to work after hours
Harrison National Employment, LLC (Archwell Holdings, LLC
Loan specialist job in Marlton, NJ
Our client, a Mortgage Servicing Company located in Marlton, NJ, is seeking hybrid Funding Resolution Corporate Operations Specialists to join their growing team. The Specialist, Funding Resolution Corporate Operations will review the pipeline of loans expected to disburse in according with the Closing Disclosure. The Specialist will ensure the title vendor has provided a “clear to fund” 24 hours prior to disbursement of funds. The Specialist possesses a comfort level with communicating electronically as well as via phone. Effectively maintains a pipeline of loans and manages the title vendor relationship from a funding perspective. The ability to multitask and attention to detail is very important in this position.
Job Requirements:
Ensure file and documents meet company and compliance requirements.
Ability to accurately input information into Lakewood
Ability to multitask and remain focused and professional.
Communicating efficiently with title vendors on items required and deadlines.
Always provide excellent customer service
Basic understanding of reviewing title work, homeowners' insurance and flood certifications.
Consistently meets deadlines
Assisting posting closing department with file deficiencies as needed.
Assisting the customer with post disbursement deficiencies related to the disbursement of funds and issuance of creditor checks.
Manage disbursement timeline to ensure in accordance with the Closing Disclosure and ensure that appropriate file quality and timeliness are provided to clients.
Communicate with title vendors and Operational departments on items required, deadlines and closing issues. Verify several aspects of the documentation and process including, but not limited to: property address, wire information for funding, information on the Closing Disclosure and the payoff statement.
Coordinate and communicate with title vendor and processing team for correction and completion of all required documentation for the Closing Department and ensure communication to all pertinent parties to include the end customer.
Develop in-depth knowledge of entire loan life cycle in order to fully understand implication of the work of the closing function.
Become proficient with the document management system. Accurately electronically file documents and information in the system and ensure all information is complete and accurate. Use checklists and other job aides as necessary to accurately complete all required information.
Basic understanding of all loan types - Conventional, USDA, VA, FHA
Responsible for managing both Retail call center and wholesale loans
Maintain regular and punctual attendance
Performs other related duties as assigned
Qualifications:
Requires basic job knowledge of systems and procedures obtained through prior work experience or education.
High School Diploma or GED.
One (1) to two (2) years of related experience
Problems and issues faced are generally routine, but often require interpretation of FFOC's procedures or policies to resolve problems.
$41k-76k yearly est. 39d ago
Junior Loan Officer
Financial Freedom Mortgage 4.6
Loan specialist job in Evesham, NJ
Financial Freedom Mortgage based in Marlton, NJ is looking for qualified Junior Loan Officers. Within this role, you will be our customer's first contact so you must make a great initial impression. You will explain our process to potential borrowers and how they may qualify to work with us. When they are ready, you will take down their information, answer any questions they may have, and deliver excellent customer service. Once the potential borrower's information has been taken and put into an application, a licensed Loan Officer will take over the call to close the deal.
Duties:
- Make 200-300 outbound calls per day
-Deliver prepared questions, reading from scripts that describe our financial services
-Overcome any objections from homeowners to obtain any necessary information for loan application
-Input customer details on paper application, internal computer system, and automated phone system
-Verify customer information is correct on all forms
-Contribute to team effort by accomplishing daily and weekly performance objectives
Qualifications
-Positive attitude and lots of energy
-Experience in sales or call center environment preferred, such as previous financial services or banking
-Highly effective communication skills
-Ability to handle rejection and turn "No" into "Yes"
-Strong work ethic with desire to overachieve
Additional Information
All your information will be kept confidential according to EEO guidelines.
$30k-47k yearly est. 60d+ ago
Mortgage Loan Officers
Emm Loans LLC
Loan specialist job in Cherry Hill, NJ
Now Hiring: Experienced Loan Officers at EMM Loans (Confidential Inquiries Welcome) (Nationwide Opportunities Available!)
Are you an established NMLS Licensed Loan Officer exploring your next opportunity? At EMM, we understand the importance of discretion and a smooth transition. In this role, you'll build and manage your own pipeline of residential mortgage clients, nurture referral relationships, and guide borrowers through every step of the loan process... backed by a dedicated operations and marketing team committed to your success.
And... If you're currently with a federally chartered bank , making the move to a private mortgage banker is often a quick and seamless licensing process . Join a team that offers strong operational support, competitive compensation, and a platform designed to help you grow your business. EMM has over 75yrs of combined experience in all aspects of residential mortgage lending. EMM is a licensed mortgage bank in 38 states, is a directly endorsed lender with HUD-FHA, offers products sponsored by both Fannie Mae, Freddie Mac, individual state programs and also has access to a portfolio of private investors nationwide. Our independence as a private direct-lender means we have the ability to offer rates and terms other lenders can't.
Take the next step in your career; Apply today to start a confidential conversation .
EMM LOANS LLC is an Equal Employment Opportunity Employer. NMLS ID: 2926
$41k-65k yearly est. Auto-Apply 60d+ ago
loan processor
Peopleshare 3.9
Loan specialist job in Tredyffrin, PA
Job DescriptionJoin our growing team! We're seeking a detail-oriented and driven Loan Processor to help our client deliver a seamless and efficient lending experience to their borrowers. JOB DETAILS:
Pay: $23-28/hr (based on experience)
Hours: Monday-Friday 9AM-6PM
Location: Wayne, PA
Full-Time: Temp to Hire
JOB PERKS:
Competitive salary and performance-based bonuses to reward your hard work and dedication.
Comprehensive benefits package
Opportunities for career growth and professional development within a supportive, team-oriented environment.
RESPONSIBILITIES:
Review and enter loan applications into the Loan Origination System Prepare required disclosures
Gather all documentation and information for the loan, including all approval conditions required by the underwriter.
Submit and follow up on orders placed with third-party service providers
Maintain and manage loan files
Communicate with all parties involved in the transaction, including but not limited to underwriters, attorneys, title companies, appraisers, and dealers, to move the loan efficiently and accurately from application to settlement.
REQUIREMENTS:
Minimum 2 years of experience in mortgage loan processing, with a strong understanding of conventional, FHA, and VA loan products.
Proficient in loan origination systems (such as Encompass or Calyx) and Microsoft Office Suite, with excellent data entry and documentation skills.
Strong knowledge of regulatory guidelines, including TRID, RESPA, and other compliance standards.
Exceptional communication and organizational skills, with the ability to manage multiple files and deadlines in a fast-paced environment.
PeopleShare is the leading Staffing Agency in the region and has temporary to hire and permanent jobs across 8 states. Our openings include receptionist, data entry, customer service, collections, office managers, call center, administrative assistant, accounts payable clerk, accounts receivable clerk, file clerk, warehouse, assembly, production, pickers, packers, forklift, machine operators, and maintenance mechanics.
PeopleShare provides equal opportunities to all employees and applicants for employment without regard to race, religion, color, age, sex, national origin, sexual orientation, gender identity, genetic disposition, neurodiversity, disability, veteran status, or any other protected category or class under federal, state, and/or local laws. This policy applies to all locations and all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.
$23-28 hourly 24d ago
Call Center Loan Officer
National Mortgage Staffing 3.9
Loan specialist job in Mount Laurel, NJ
Internal Call Center Loan Officer - Multiple Locations (TX, FL, NJ)
Our client is seeking experienced and entry-level Internal Call Center Loan Officers to join a growing, high-volume lending team. These roles offer the stability of a national mortgage company combined with strong earning potential through a tiered commission structure.
Ideal candidates are licensed, driven, and comfortable working in a fast-paced, dialer-based environment managing inbound and outbound leads.
Key Responsibilities
Manage incoming and outbound calls from lead sources such as LendingTree.
Educate and prequalify borrowers for HELOCs, refinances, and cash-out products.
Structure and present loan options that meet customer needs and comply with company guidelines.
Maintain consistent contact and follow-up with clients throughout the loan process.
Achieve monthly production and quality goals.
Maintain accurate documentation and CRM notes on all interactions.
Qualifications
Active NMLS license (state required).
Comfortable working with dialer systems and high-volume outbound leads.
Experience with HELOC and cash-out refinance loans preferred.
Ability to thrive in a structured, metrics-driven sales environment.
For less experienced LOs (1-3 years): on-site role required.
For experienced LOs (4+ years): hybrid or remote may be considered.
Must reside within commuting distance of one of the call centers in DFW, Jacksonville, or Mount Laurel.
Compensation & Schedule
Hourly: $18/hr + commission (retroactive tiers):
• 1-2 loans: 40 bps
• 3-6 loans: 60 bps
• 7+ loans: 75 bps
Average Annual Income: $110,000
Top Performers: $225,000-$250,000
Schedule: 9:00 a.m.-6:00 p.m. or 11:00 a.m.-8:00 p.m.
Weekends: Voluntary unless production targets are not met
Employment Type: W-2 with full benefits
National Mortgage Staffing does not determine the salary, requirements, or qualifications for this position. All criteria are set by our client and must be followed exactly.
Thank you for your interest!
If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.
Unfortunately due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.
$34k-55k yearly est. 1d ago
Loan Servicing Representative I
Phoenixville Federal Bank & Trust 3.3
Loan specialist job in Phoenixville, PA
Job DescriptionDescription:
Department: Loan Servicing I
Reports to: Loan Servicing Manager
Summary: Join our community-focused bank as a Loan Servicing Representative, where you will play a vital role in maintaining strong relationships with our customers by providing exceptional service and support throughout the loan lifecycle. This is an excellent opportunity for a detail-oriented professional passionate about banking and customer service to contribute to a trusted financial institution committed to community growth and financial well-being.
Requirements:
Key Responsibilities:
• Manage and process loan payments, escrow accounts, and other related transactions accurately and efficiently
• Respond to customer inquiries regarding loan accounts, payment schedules, and account status via phone, email, or in person
• Ensure compliance with banking policies, procedures, and regulatory requirements in all loan servicing activities
• Maintain detailed and organized records of loan transactions and customer interactions
• Collaborate with loan officers and other banking staff to resolve customer issues and facilitate loan modifications or adjustments
• Monitor loan accounts for delinquencies and coordinate with customers to develop repayment plans when necessary
• Assist in the preparation of loan documentation and reports for internal and external audits
• Assist with front-desk coverage as assigned, including answering phones and greeting visitors
Skills & Qualifications:
• High school diploma or equivalent; associate's or bachelor's degree in finance, business, or related field preferred
• Previous experience in loan servicing, banking, or customer service is highly desirable
• Strong attention to detail and organizational skills
• Excellent communication and interpersonal skills
• Knowledge of loan products, banking regulations, and compliance standards
• Proficiency in banking software and Microsoft Office Suite
• Must be able to maintain the highest level of confidentiality; ability to handle sensitive material concerning the Company and borrowers
Work Environment:
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Physical Demands:
This is largely a sedentary role. This position frequently communicates with customers, coworkers, managers. Must be able to exchange accurate information in these situations requirements listed below are representative of the knowledge, skills, and/or abilities required for this position.
$29k-56k yearly est. 9d ago
Mortgage Loan Closer
L'Attitude Recruiting
Loan specialist job in Cherry Hill, NJ
Job Description
LAttitude has teamed up with a nationally recognized mortgage team and is looking for licensed Mortgage Loan Closer to join their growing organization on Cherry Hill, NJ. You'll be connected to a company that provides the tools, support, and opportunities you need to succeed in today's market. With interest rates easing and buyer activity on the rise, the market is shifting in your favor. Our team is prepared to help you capture it.
The Licensed Mortgage Loan Closer role is a remote, W-2 position with benefits-no desk fees, no tech fees, no cold calling. Instead, you'll receive exclusive inbound leads, expert backend support, and a flexible schedule that lets you focus on building relationships and closing loans. You do need an active MLO Licence for this position.
What You'll Do In The Mortgage Loan Closer Position:
Handle live inbound calls and qualify borrowers
Guide clients through mortgage programs, rates, and options
Originate loans in your licensed states
Collect and review borrower documents
Partner with processors and underwriters to close quickly
Consistently follow up with customers in a professional manner
What You Need As A Licensed Mortgage Loan Closer:
Active NMLS and MLO state license(s) is required
1+ year of mortgage origination experience
Strong communication skills
Organized, self-motivated, and comfortable working remotely
What You'll Get As A Licensed Mortgage Loan Closer:
Remote role with flexible hours
W-2 employment plus health benefits
Steady stream of inbound leads (no lead costs)
Credit reports covered (no upfront expenses)
One-on-one coaching and mentorship
Dedicated processing support for faster closings
$41k-55k yearly est. 22d ago
Experienced Loan Officer
Solid Rock Recruiting LLC
Loan specialist job in Wilmington, DE
Job DescriptionExperienced Loan Officer
Compensation: $100,000 - $150,000 (Base + Incentives) Employment Type: Full-Time
About the Bank
We are a well-established community bank committed to serving local businesses and individuals with reliable service and local decision-making. As our loan portfolio continues to grow, we are seeking an Experienced Loan Officer to join our team and support ongoing lending needs across the community.
Position Overview
The Experienced Loan Officer will develop, manage, and grow a portfolio of commercial and consumer loans. This role is ideal for a lender who thrives on relationship building, portfolio management, and delivering high-quality client service.
Key Responsibilities
Build and maintain strong relationships with new and existing clients across the community.
Analyze financials, credit reports, and collateral to structure appropriate loan solutions.
Manage a diversified loan portfolio and ensure ongoing credit quality.
Present loan requests and recommendations to the credit team/loan committee.
Identify growth opportunities through client outreach, referrals, and community involvement.
Provide a high level of responsiveness and support to clients and internal partners.
Ensure all lending activities follow bank policies, regulatory requirements, and risk guidelines.
Qualifications
3+ years of experience as a Loan Officer or Commercial/Consumer Lender (community bank experience preferred).
Strong credit analysis and financial statement review skills.
Proven track record of building and managing a healthy loan portfolio.
Ability to grow business through relationships, networking, and local presence.
Excellent communication and client-service skills.
Bachelor's degree in Business, Finance, Accounting, or related field preferred.
Compensation & Benefits
Total earnings of $100,000 - $150,000 (base salary + incentive plan)
Full benefits package (health, 401k, PTO, etc.)
Local decision-making and strong support from leadership
Long-term career stability and growth opportunities
How to Apply
Please send your resume to brian@solidrockrecruiting.com with the subject line:
Experienced Loan Officer Application
.
All inquiries are fully confidential.
$32k-50k yearly est. 4d ago
Wilmington Regional Loan Officer
Caliver Beach Mortgage
Loan specialist job in Wilmington, DE
Do you have strong relationship building skills? Have you built your business largely on referrals? Are you an entrepreneur at heart and interested in growing a team? If so, then we have an exciting opportunity for you. Become your own boss at Caliver Beach Mortgage!!
Description:
· Run your business remotely on a P&L basis under the umbrella of Caliver Beach Mortgage!
· Uncapped commissions!
· Loan products for all borrower types!
· Add additional LO's to your team OR act as an individual LO!
· Licensed in 28 states and growing!
· Administrative, operational and compliance support provided by Corporate!
Successful Candidate Attributes:
· Proven track record developing referral partner relationships with Realtors, CPA's, Financial Planners, etc.
· Maintains a database of past clients for marketing purposes.
· History of closing at least 3-5 units per month.
Loan Officer Requirements:
· An active NMLS/MLO license (required).
· Strong knowledge of lending regulations and industry best practices.
· Exceptional interpersonal and communication skills.
· Analytical mindset with the ability to assess complex financial information.
· Sales-oriented mindset with a commitment to achieving targets.
· Detail-oriented and organized.
· Proficient in relevant software and tools.
How to Apply:
Interested candidates should submit their resume detailing their qualifications and relevant experience to ***********************. Please include "Loan Officer Application" in the subject line of your email.
Caliver Beach Mortgage, LLC is an equal opportunity employer. We are committed to diversity and inclusion in our workplace.
$32k-50k yearly est. Easy Apply 60d+ ago
Personal Loan Spec
Onemain (Formerly Springleaf & Onemain Financials
Loan specialist job in Philadelphia, PA
At OneMain, Loan Sales Specialists empower customers by listening to their needs and providing access to friendly, fast, and affordable financing for life's expenses. In this role, our team members thrive in a competitive atmosphere where hard work and dedication directly influence success. This role provides rewarding professional development and advancement opportunities in a dynamic and supportive environment. Loan Sales Specialists enjoy competitive compensation that recognizes both individual achievements and team success, all while growing their career.
In the Role
* Effectively multitask and adapt to the dynamic demands of the role, ensuring timely and efficient service
* Exceed customer expectations through ease, empathy and encouragement, delivering results related to individual and branch goals
* Develop new connections and maintain ones by engaging customers throughout the loan process and life cycle, presenting tailored solutions based on customer needs
* Manage the life cycle of loans, including collections activities while maintaining compliance with all relevant laws and regulations
* Engage with customers and other departments through multiple technological channels, including phone, email, chat and our in-house systems
* Exhibit passion for achievement, bringing an internal drive to succeed and goal oriented attitude
* Clearly educate and inform customers on optional insurance products, ensuring customers have a thorough understanding of the loans, terms and their options
Requirements:
* High School Diploma or GED
Preferred:
* Sales, Collections or Customer Service experience
* Bilingual - Spanish
Location: On site
The schedule for this position is Monday-Friday during standard business hours, with some extended hours during the week as needed which may include Saturday.
Who we Are
A career with OneMain offers you the potential to earn an annual salary plus incentives. You can steer your career toward leadership roles such as Branch Manager and District Manager by taking advantage of a variety of robust training programs and opportunities to advance. Other team member benefits include:
* Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
* Up to 4% matching 401(k)
* Employee Stock Purchase Plan (10% share discount)
* Tuition reimbursement
* Paid time off (15 days vacation per year, plus 2 personal days, prorated based on start date)
* Paid sick leave as determined by state or local ordinance, prorated based on start date
* Paid holidays (7 days per year, based on start date)
* Paid volunteer time (3 days per year, prorated based on start date)
OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.
In our more than 1,300 community branches and across the U.S., team members help millions of customers solve critical financial needs, including debt consolidation, home and auto repairs, medical procedures and extending household budgets. We meet customers where they want to be -- in person, by phone and online.
At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain.
Key Word Tags
Sales, Collections, Retail, Loan Sales, Customer Service, Customer Care, Business Development, New Grad, Newly Graduated, Entry level, Financial Sales, Management Development, Management Trainee, Finance, Full-time, Career, Benefits, Customer experience, Financial Representative, Credit, Leadership, Manager Trainee
OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law.
$31k-45k yearly est. 8d ago
Associate Mortgage Loan Specialist
State Employees' Credit Union 3.8
Loan specialist job in Camden, NJ
If you are motivated and believe in the credit union philosophy of "People Helping People," join our team!
Purpose
Entry level real estate lending position with focus on development and training. The Associate Mortgage LoanSpecialist (MLS) position is responsible for obtaining the required knowledge and experience needed to guide current and prospective members through the real estate loan application process.
Duties
Receive and assist in the completion of real estate loan applications, while serving as the primary point of contact for applicants during the origination process via phone, digital delivery, email, and chat.
Assess, underwrite, and make recommendations for decision on loan applications considering applicant(s) credit worthiness, ability to repay, collateral valuation, and organizational risk. Communicate approval or denial decisions to members in a clear and professional manner.
Evaluate and verify income documentation, including personal and business tax returns, to make informed approval or denial decisions.
Counsel potential home buyers and existing homeowners, while taking complete and accurate real estate loan related applications and obtaining required documentation to facilitate initial loan approval with assistance when needed.
Proactively stay updated on market trends, interest rates, and changes in lending policies and regulations to provide members with accurate and timely information.
Assist membership with servicing of existing mortgage and home equity loans.
Follow up with prequalified applicants and on other leads in a timely and effective manner.
Price and disclose loan applications by determining the interest rates and fees associated with a loan, based on factors such as borrower's creditworthiness, loan amount, term, and market conditions.
Successful completion of Consumer Lending Program courses and subsequent exam is required. After completion and proficiency shown, granted initial lending limits (Tier 2) with SVP recommendation.
Coordinate member engagement with the Real Estate Lending Processing Center.
Maintain a comprehensive knowledge of all real estate lending products, policies, procedures, and regulatory compliance.
Educate members on available services and make referrals for other Credit Union products and services based on their needs.
Ensure well documented, easy to review loan application history notes within the Loan Origination System.
Work various contact and follow-up reports to cultivate member engagement throughout the home buying process and make SECU their lender of choice.
Maintain strong adherence to set schedule while meeting minimal set expectations and established KPIs and metrics for role.
Complete additional tasks as assigned by management.
Requirements
Must have high school diploma or GED equivalent.
Preferred - bachelor's degree, or CCUE Certification, or Associate of Arts degree or Associate of Science degree via the North Carolina Community College Transfer Program (NC-CTP).
Attend Excel and Elevate - New Employee Training (E&E)
Complete assigned modules.
Previous SECU and/or lending experience preferred.
Minimum tier one lending limits assigned at this level.
Must possess the highest level of integrity and objectivity.
Must possess excellent communication skills, both verbal and written.
Must be able to communicate with SECU personnel, VPs, SVPs, attorneys, members, appraisers, realtors, etc.
Must have strong networking and relationship development skills.
Meets compliance and regulatory standards.
Makes lending decisions consistent with SECU loan policies.
Has or is eligible to be registered as an active MLO with the NMLS.
Must be organized and meticulous.
Ability to manage multiple responsibilities simultaneously while actively prioritizing incoming phone calls.
Must be willing to engage in ongoing training and professional development.
Must have basic computer skills with an ability to learn more complex software for processing of applications and completing loan servicing.
Has completed all required quarterly training courses & other training assigned by management.
Consistently demonstrates SECU's Core Values.
Recommendation of VP/SVP for advancement to this level.
Must be able to speak and write English fluently.
Must understand and be dedicated to the Credit Union philosophy and work ethic.
Must adhere to the work schedule and attendance policies established by the Credit Union.
Job Environment
Office setting with physical proximity to other employees and members.
Some background noise from other employees, copy machine, and telephone.
Some local travel may be required while training.
Physical Demands
Must be able to comprehend and carry out job requirements.
Job requires a substantial amount of sitting.
Use hands and fingers to press keys on a computer keyboard to enter or retrieve information.
Answer and operate a telephone.
Lift up to 15 lbs.
SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.
Disclaimer
State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need.
$48k-58k yearly est. Auto-Apply 60d+ ago
Loan Officer - Purchase, Direct Lending Sales
Onity External
Loan specialist job in Mount Laurel, NJ
Licensed Purchase Loan Officer - Consumer Direct
As a Purchase Loan Officer at PHH Mortgage, you will be responsible for inbound and outbound calls to existing portfolio customers, offering a range of mortgage products to help them achieve their homeownership goals. This role requires you to build strong relationships with homeowners while meeting individual sales targets, company retention goals, and most importantly, delivering excellent customer service.
At PHH Mortgage, we offer a dynamic, fast-paced environment with a supportive company culture and a large portfolio to back you. Join us to help homeowners achieve their dreams and grow your career!
Who are we looking for?
Experienced Loan Officers with NMLS Licenses (including UST component)
Motivated individuals with a sales-driven mindset, capable of thriving in a call center environment
Customer-focused professionals who enjoy building relationships and guiding homeowners through the purchase process
What we offer our Licensed Loan Officers:
Competitive base salary paid bi-weekly, plus overtime opportunities
Monthly commission structure
Quarterly incentives for top producers
Comprehensive benefits package (health, life, dental, vision, 401k, PTO)
Training support to set you up for success
Access to warm inbound and outbound leads from our extensive portfolio
Key Responsibilities:
Handle inbound and outbound leads from existing clients to help them secure a purchase mortgage
Qualify borrowers for purchase loans using automated underwriting systems (DU/LP)
Provide mortgage options in a single call, assisting clients in choosing the best loan for their needs
Engage and collaborate with real estate agents (both network and non-network), including conducting welcome callas and proactive outreach to build and maintain strong referral relationships.
Gather necessary documentation and submit completed mortgage applications for processing
Set clear expectations with clients from the start of the transaction and provide ongoing communication throughout
Ensure compliance with all regulatory mortgage guidelines and company policies
Collaborate with internal operations to maintain clean files and ensure smooth loan closings
Enter and manage transactions in PHH Mortgage's lead management system
Provide exceptional customer service to all borrowers, ensuring a positive experience throughout the loan process
Balance your day between managing inbound leads and following up with clients in your sales pipeline to meet performance standards
Attend training, sales meetings, and other company events as required
Stay current with mortgage industry trends and complete required internal training
Qualifications:
High School Diploma, GED, or military experience equivalent
Minimum of 1 year of Encompass experience required
Preferred 2 years of Loan Officer experience, particularly in a call center or phone-based sales role
Ability to obtain required licensing and continuing education in multiple states (company-sponsored)
Maintain all necessary federal and state licensing annually (including background and credit checks)
Strong customer service skills, with the ability to address client concerns effectively
Professional communication skills
Proficient in Microsoft Office, particularly Word, Excel, and Outlook
Must be able to work a shift schedule that includes one evening shift per week and one Saturday per month (4-hour shift, paid overtime)
Salary & Benefits:
The expected salary range for this position is $42,000 per year, plus commission and a one time Sign on Bonus!
Additional incentives and bonuses available for high-performing individuals
Join us and help homeowners achieve their dreams while growing your career in a rewarding and supportive environment!
#PHH #Loanofficer #remotejobs
$42k yearly Auto-Apply 42d ago
Loan Officer - Purchase, Direct Lending Sales
Onity
Loan specialist job in Mount Laurel, NJ
Licensed Purchase Loan Officer - Consumer Direct
As a Purchase Loan Officer at PHH Mortgage, you will be responsible for inbound and outbound calls to existing portfolio customers, offering a range of mortgage products to help them achieve their homeownership goals. This role requires you to build strong relationships with homeowners while meeting individual sales targets, company retention goals, and most importantly, delivering excellent customer service.
At PHH Mortgage, we offer a dynamic, fast-paced environment with a supportive company culture and a large portfolio to back you. Join us to help homeowners achieve their dreams and grow your career!
Who are we looking for?
Experienced Loan Officers with NMLS Licenses (including UST component)
Motivated individuals with a sales-driven mindset, capable of thriving in a call center environment
Customer-focused professionals who enjoy building relationships and guiding homeowners through the purchase process
What we offer our Licensed Loan Officers:
Competitive base salary paid bi-weekly, plus overtime opportunities
Monthly commission structure
Quarterly incentives for top producers
Comprehensive benefits package (health, life, dental, vision, 401k, PTO)
Training support to set you up for success
Access to warm inbound and outbound leads from our extensive portfolio
Key Responsibilities:
Handle inbound and outbound leads from existing clients to help them secure a purchase mortgage
Qualify borrowers for purchase loans using automated underwriting systems (DU/LP)
Provide mortgage options in a single call, assisting clients in choosing the best loan for their needs
Engage and collaborate with real estate agents (both network and non-network), including conducting welcome callas and proactive outreach to build and maintain strong referral relationships.
Gather necessary documentation and submit completed mortgage applications for processing
Set clear expectations with clients from the start of the transaction and provide ongoing communication throughout
Ensure compliance with all regulatory mortgage guidelines and company policies
Collaborate with internal operations to maintain clean files and ensure smooth loan closings
Enter and manage transactions in PHH Mortgage's lead management system
Provide exceptional customer service to all borrowers, ensuring a positive experience throughout the loan process
Balance your day between managing inbound leads and following up with clients in your sales pipeline to meet performance standards
Attend training, sales meetings, and other company events as required
Stay current with mortgage industry trends and complete required internal training
Qualifications:
High School Diploma, GED, or military experience equivalent
Minimum of 1 year of Encompass experience required
Preferred 2 years of Loan Officer experience, particularly in a call center or phone-based sales role
Ability to obtain required licensing and continuing education in multiple states (company-sponsored)
Maintain all necessary federal and state licensing annually (including background and credit checks)
Strong customer service skills, with the ability to address client concerns effectively
Professional communication skills
Proficient in Microsoft Office, particularly Word, Excel, and Outlook
Must be able to work a shift schedule that includes one evening shift per week and one Saturday per month (4-hour shift, paid overtime)
Salary & Benefits:
The expected salary range for this position is $42,000 per year, plus commission and a one time Sign on Bonus!
Additional incentives and bonuses available for high-performing individuals
Join us and help homeowners achieve their dreams while growing your career in a rewarding and supportive environment!
#PHH #Loanofficer #remotejobs
$42k yearly Auto-Apply 42d ago
Mortgage Loan Officer- East Coast US
TD Bank 4.5
Loan specialist job in Wilmington, DE
Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $11.54 - $15.50 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 & 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 achieve 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 underwriting, regulatory and other purposes
+ Sends application and other required information to underwriting area
+ Underwrites loans using point-of-sale underwriting systems within 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 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
+ Develops knowledge of policies, procedures, rules and regulations related 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 TD Bank maintains successful audits and exams within all areas
+ Deals with complex 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 achieve sales goals
+ Strong time management skills
+ Excellent communication skills, both verbal and written
+ PC skills, including ability to learn mortgage origination and automated underwriting systems
**OCC Language:**
+ 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. §§ 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 (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. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007
+ 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
**Physical Requirements:**
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
+ 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 world's 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.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**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'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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**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 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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
$11.5-15.5 hourly 22d ago
Mortgage Loan Opening and Disclosure Specialist
Cross Key Management
Loan specialist job in Blue Bell, PA
A Mortgage Loan Opening and Disclosure Specialist plays a crucial role in the mortgage lending process. Their primary responsibilities typically include:
Key Responsibilities 1. Loan Application Review: o Reviewing loan applications for completeness and accuracy.
o Verifying borrower information and supporting documentation, such as income and
credit history.
2. Mortgage Disclosure Preparation:
o Ensuring all required disclosures are accurately prepared and provided to borrowers
in compliance with regulations (e.g., Truth in Lending Act, Real Estate Settlement
Procedures Act).
3. Collaboration with Teams:
o Working closely with loan officers, underwriters, and compliance teams to ensure a
smooth loan opening process.
o Coordinating with third-party vendors (e.g., appraisers, title companies) as needed.
4. Regulatory Compliance:
o Staying up to date with changes in mortgage regulations and ensuring all processes
align with current laws.
5. Documentation:
o Maintaining accurate records of all disclosures and communications.
o Preparing necessary documentation for loan origination and compliance audits.
Skills Required
Attention to Detail: Thoroughness in reviewing loan documents and regulatory
requirements.
Communication Skills: Ability to effectively explain financial concepts to borrowers.
Organizational Skills: Capability to manage multiple loan applications simultaneously.
Knowledge of Mortgage Products: Familiarity with various mortgage products and
Regulatory Compliance requirements.
Previous experience in mortgage banking/lending is required
This is a full-time, in-office position.
$34k-71k yearly est. 60d+ ago
Retail Loan Officer - Nationwide Opportunities
Emm Loans LLC
Loan specialist job in Cherry Hill, NJ
EMM LOANS LLC (EMM) has over 75yrs of combined experience in all aspects of residential mortgage lending. EMM is a licensed mortgage bank in over 37 states, is a directly endorsed lender with HUD-FHA, offers products sponsored by both Fannie Mae, Freddie Mac, individual state programs and also has access to a portfolio of private investors nationwide. Our independence as a private direct-lender means we have the ability to offer rates and terms other lenders can't. Each client, each day, is a new opportunity to build our reputation and invest our years of expertise by guiding our customers through today's challenging home financing decisions.
We are currently looking for Outside Mortgage Loan Originators to work in our various branches across the nation. The Outside Mortgage Loan Originator (MLO) will market and originate residential mortgage loans. This position will be responsible for soliciting residential mortgages through contacts and seeking opportunities to present the mortgage programs to individuals as well as professional organizations. MLOs will provide service to customers and prospective customers seeking residential mortgage loans. MLOs will interview applicants to acquire information concerning their current financial situation, their needs, desires and property information, as well as obtain and analyze pertinent data. MLOs will ensure the customer understands the loan process from application through closing and also evaluates loan applications and documentation to confirm credit worthiness. This is an outside Sales position which is commission only and no leads are provided. Qualifications So, how do you become part of this fantastic group of people? Meeting the following requirements is good place to start! Active NMLS Licensing A contagiously positive attitude and LOTS of energy Deep knowledge of various loan products, origination processes, policies, procedure, underwriting guidelines and documentation requirements
EMM is proud to offer a wide range of benefits and a very competitive salary. Eligible employees can participate in the following benefits.
Medical, Dental, and Vision insurance
Flexible Spending Account
Company paid Life Insurance and LTD!
Additional buy up Life and LTD Insurance
401K plan with an employer match
And more!
*All positions are contingent upon the successful completion of a background check.
EMM LOANS LLC is an Equal Employment Opportunity Employer. NMLS ID: 2926
$41k-65k yearly est. Auto-Apply 60d+ ago
Loan Servicing Representative I
Phoenixville Federal Bank & Trust 3.3
Loan specialist job in Phoenixville, PA
Department: Loan Servicing I
Reports to: Loan Servicing Manager
Summary: Join our community-focused bank as a Loan Servicing Representative, where you will play a vital role in maintaining strong relationships with our customers by providing exceptional service and support throughout the loan lifecycle. This is an excellent opportunity for a detail-oriented professional passionate about banking and customer service to contribute to a trusted financial institution committed to community growth and financial well-being.
Requirements
Key Responsibilities:
• Manage and process loan payments, escrow accounts, and other related transactions accurately and efficiently
• Respond to customer inquiries regarding loan accounts, payment schedules, and account status via phone, email, or in person
• Ensure compliance with banking policies, procedures, and regulatory requirements in all loan servicing activities
• Maintain detailed and organized records of loan transactions and customer interactions
• Collaborate with loan officers and other banking staff to resolve customer issues and facilitate loan modifications or adjustments
• Monitor loan accounts for delinquencies and coordinate with customers to develop repayment plans when necessary
• Assist in the preparation of loan documentation and reports for internal and external audits
• Assist with front-desk coverage as assigned, including answering phones and greeting visitors
Skills & Qualifications:
• High school diploma or equivalent; associate's or bachelor's degree in finance, business, or related field preferred
• Previous experience in loan servicing, banking, or customer service is highly desirable
• Strong attention to detail and organizational skills
• Excellent communication and interpersonal skills
• Knowledge of loan products, banking regulations, and compliance standards
• Proficiency in banking software and Microsoft Office Suite
• Must be able to maintain the highest level of confidentiality; ability to handle sensitive material concerning the Company and borrowers
Work Environment:
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Physical Demands:
This is largely a sedentary role. This position frequently communicates with customers, coworkers, managers. Must be able to exchange accurate information in these situations requirements listed below are representative of the knowledge, skills, and/or abilities required for this position.
$29k-56k yearly est. 60d+ ago
Mortgage Loan Officer- East Coast US
TD Bank 4.5
Loan specialist job in Mount Laurel, NJ
Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $11.54 - $15.50 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 & 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 achieve 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 underwriting, regulatory and other purposes
+ Sends application and other required information to underwriting area
+ Underwrites loans using point-of-sale underwriting systems within 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 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
+ Develops knowledge of policies, procedures, rules and regulations related 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 TD Bank maintains successful audits and exams within all areas
+ Deals with complex 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 achieve sales goals
+ Strong time management skills
+ Excellent communication skills, both verbal and written
+ PC skills, including ability to learn mortgage origination and automated underwriting systems
**OCC Language:**
+ 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. §§ 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 (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. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007
+ 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
**Physical Requirements:**
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
+ 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 world's 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.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**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'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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**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 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 *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
How much does a loan specialist earn in Upper Darby, PA?
The average loan specialist in Upper Darby, PA earns between $21,000 and $82,000 annually. This compares to the national average loan specialist range of $26,000 to $68,000.