Mortgage Loan Officer- NY

Job Overview

Mortgage Loan Officer

Work Location:

Melville, New York, United States of America

Hours:

40 per week

Pay Details: $17.00 per hour (base) and commission, up to $11.54 per hour plus commission depending on local minimum wage.

• Sell and originate residential mortgage loans to meet sales goals.
• Take and assess residential mortgage loan applications, negotiating terms and conditions.
• Explain mortgage products, requirements and the loan process to customers.
• Ensure complete, accurate application packages and support documentation.
• Manage customer expectations regarding processing times and closing dates.
• Input loan information into the mortgage loan system and produce supporting files for underwriting.
• Underwrite loans using point‑of‑sale systems within authority scope, and communicate decisions to customers.
• Submit application materials to processing, clear any conditions, finalize commitements and coordinate closings.
• Maintain regular communication with underwriters, processors, realtors, closing agents and other stakeholders.
• Attend loan closings when required.
• Stay current on industry practices, products, policies, regulations, and training.
• Participate in homebuyer seminars, broker meetings and related workshops.
• Recommend changes to products, programs, or pricing to management.

• Bachelor’s degree or equivalent progressive work experience.
• Minimum of 2+ years origination experience and proven sales ability.
• Strong negotiation, time‑management and communication skills.
• Self‑directed with ability to plan activities to achieve sales goals.
• PC proficiency and ability to learn mortgage origination and automated underwriting systems.

This position is defined as Loan Originator under Regulation Z and Mortgage Loan Originator under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act). Candidates must be eligible to register and be a registered mortgage loan originator with the NMLS.

• Perform sedentary work continuously, with occasional periods of sitting, standing, walking and standing.
• Handle standard office equipment and conduct activities that involve occasional lifting, carrying and reaching.

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, veteran status or any other characteristic protected under applicable law. If you require accommodations, please email us at