Work Location:
Mount Laurel, New Jersey, United States of America
Hours:
40
Pay Details:
$23.25 - $36.00 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
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Line of Business:
Personal & Commercial Banking
Job Description:
Mortgage Telesales Loan Officer - Bilingual are specialized Lending Officers who consult with both current and new-to-bank Customers about home lending needs. Through varied lead sources (inbound, outbound, web and bank stores) , this job delivers Legendary Customer Service through ongoing communication and 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 and accountable for achieving both individual and team objectives. This position promotes strong and lasting Customer relationships by helping Customers meet their financial goals.
You must be work authorized in the United States without the need for employer sponsorship.
Depth & Scope:
- Provides sound advice at every Customer interaction, contributing to a Legendary Customer Experience throughout the entire loan process
- 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
- 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 underwriting decisions, including offers and/or counter-offers
- Proactively makes outbound calls to Customers who have inquired about our lending products through multiple channels as well as following up with prospects from Marketing lists and/or ongoing campaigns
- Sells and originates residential mortgage loans with focus on assisting Spanish speaking customers
- Assists customers with document collection needs throughout the entire loan process due to bilingual customer needs
- Plans and executes relationship building activities
- Ensures Customer problems are handled appropriately, escalating issues when necessary
- Possesses comprehensive knowledge of the entire footprint, competitive offers, products and services and economic trends
- Takes ownership of Customer concerns and resolves Customer issues at first point of contact
- Ensures necessary due diligence is taken to support the accuracy of all Customer transactions
- Responsible for utilizing and maintaining Customer Relationship Management tools such as Salesforce
- Must be proficient supporting outbound dialing efforts, digital engagement, and effective pipeline management
- Consults with customers on their financial needs and provides residential mortgage solution recommendations
- Contributes toward the achievement of Contact Center business objectives by meeting or exceeding individual sales goals
- Possesses an entrepreneurial spirit, strong work ethic, self motivated, and thrives in a fast paced dynamic sales/service environment
- Required to meet business line sales goals, pull thru metrics, and key performance targets
- Meets and maintains all call monitoring mortgage regulatory requirements
- 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:
- College diploma or equivalent work experience required
- 1+ years of mortgage origination experience required
- Bilingual/fluent in Spanish and have the ability to take mortgage applications in Spanish
- Excellent sales accumen
- 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
- Strong work ethic and self motivated with the ability to work independently and collaboratively
- Highly developed customer service skills
- Contact Center as well as previous lending experience preferred
- Strong knowledge of mortgage and consumer lending, products, policies and procedures, pricing, and of basic automated underwriting systems, and fulfillment processes
- 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
- Ability to use current and learn new technology applications
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
This role is eligible for a base salary plus commission structure.
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.
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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
If you are an applicant with a disability and need accommodations to complete the application process, email the 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 application process.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.