Mortgage Telesales Loan Officer (USCC)

TD • Mount Laurel, NJ

4d • $24 - $34

About The Position

Mortgage Telesales Loan Officers are specialized Lending Officers who consult with both current and new-to-bank Customers about current 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.

Requirements

• High School diploma or equivalent experience required
• 1+ years of related experience required
• Demonstrated sales ability including knowledge of TD Bank’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
• 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
• 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

Nice To Haves

• Cross-trained on multiple Contact Center specialty skill 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 underwriting systems
• Ability to use current and learn new technology applications

Responsibilities

• Provides sound advice 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 when 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 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
• 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
• Sells and originates residential mortgage loans
• 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 all 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

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED
• Number of Employees: 101-250 employees