Consumer Loan Processor II - Home Equity
TD Securities, Mount Laurel, New Jersey, United States
Overview
Work Location:
Mount Laurel, New Jersey, United States of America Hours:
40 Pay Details:
$22.50 - $29.00 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. Line Of Business:
Personal & Commercial Banking Job Description:
The Consumer Loan Processor II is primarily responsible for providing support to the lending areas by reviewing the accuracy of consumer loans from conditional approval to closing. This job is a Loan Originator and performs at least one of the following functions, or advertises or communicates that they can or will perform any of these functions, with an expectation of compensation or monetary gain: takes an application, arranges a consumer credit transaction, assists a consumer in applying or obtaining consumer credit, offer or negotiates consumer credit, otherwise obtains or makes an extension of consumer credit for another person. Location:
Onsite -- Mt Laurel, NJ; Columia, SC; Lexington, SC; or Jacksonville, FL Schedule:
M-F; 8:30 am - 5 pm
Responsibilities
Depth & Scope: Contacts customer directly to obtain conditions placed by lender or underwriter
Reviews all required support materials, such as titles, and flood certifications to prepare files for closing
Prepares required loan documentation for approved loan applications such as disclosures
Provides support to customers, branches and lending staff as needed
Assists in testing new systems and documentation software
Collects and reviews all conditions placed on loan by lender or underwriter
Contacts customers to collect and review additional information needed to close the loan as necessary
Answers phone calls in queue as well as personal line to assist customers
May assist in training the Loan Processor I
Advises customers regarding changes in rate and term
Education & Experience
HS Diploma or GED required
No Certification(s)/License(s) required
1+ years loan documentation experience
Detail oriented
Working knowledge of Bank loan products and policies
Knowledge of lending software preferred
Proven ability to handle heavy workload and meet stringent deadlines
Solid oral and written communication skills, with ability to interact effectively with all customers, both internal and external
Working knowledge and understanding of regulations from different states
Strong PC skills
Flexible work schedule (rotation of nights and/or weekends as required)
Problem solving skills preferred
Ability to handle difficult conversations preferred
Ability to multitask and prioritize preferred
Customer Accountabilities
Maintains regular communication with the customer by phone or email depending on customer preference
Employee/Team Accountabilities
Completes all annual required training on a timely basis
Accurately document conversations with customers in the loan file
Establishes and follow up on due dates for documentation
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 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, and all colleagues are customer facing. We provide regular leadership and development conversations, mentorship, and training programs to support your goals. We keep growing – and so will you.
Total Rewards & Additional Information Our Total Rewards Package:
Our Total Rewards package reflects investments in colleagues to help them and their families achieve financial, physical and mental well-being goals. It includes base salary and variable compensation/incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and recognition. Learn more. Additional Information:
We’re delighted you’re considering a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to supporting colleagues both at work and at home.
Colleague Development:
If you’re interested in a specific career path or building certain skills, you’ll have regular career, development, and performance conversations with your manager, access to an online learning platform and mentoring programs to unlock future opportunities. TD offers many career paths and is committed to helping you identify opportunities that support your goals.
Training & Onboarding:
Training and onboarding sessions will be provided to ensure you have what you need to succeed in your new role.
Interview Process:
We’ll reach out to candidates of interest to schedule an interview. We strive to communicate outcomes to all applicants by email or phone.
Accommodation:
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other characteristic protected by law. If you are unable to complete the application process due to a disability, please email USWAPTDO@td.com with your needs.
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Work Location:
Mount Laurel, New Jersey, United States of America Hours:
40 Pay Details:
$22.50 - $29.00 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. Line Of Business:
Personal & Commercial Banking Job Description:
The Consumer Loan Processor II is primarily responsible for providing support to the lending areas by reviewing the accuracy of consumer loans from conditional approval to closing. This job is a Loan Originator and performs at least one of the following functions, or advertises or communicates that they can or will perform any of these functions, with an expectation of compensation or monetary gain: takes an application, arranges a consumer credit transaction, assists a consumer in applying or obtaining consumer credit, offer or negotiates consumer credit, otherwise obtains or makes an extension of consumer credit for another person. Location:
Onsite -- Mt Laurel, NJ; Columia, SC; Lexington, SC; or Jacksonville, FL Schedule:
M-F; 8:30 am - 5 pm
Responsibilities
Depth & Scope: Contacts customer directly to obtain conditions placed by lender or underwriter
Reviews all required support materials, such as titles, and flood certifications to prepare files for closing
Prepares required loan documentation for approved loan applications such as disclosures
Provides support to customers, branches and lending staff as needed
Assists in testing new systems and documentation software
Collects and reviews all conditions placed on loan by lender or underwriter
Contacts customers to collect and review additional information needed to close the loan as necessary
Answers phone calls in queue as well as personal line to assist customers
May assist in training the Loan Processor I
Advises customers regarding changes in rate and term
Education & Experience
HS Diploma or GED required
No Certification(s)/License(s) required
1+ years loan documentation experience
Detail oriented
Working knowledge of Bank loan products and policies
Knowledge of lending software preferred
Proven ability to handle heavy workload and meet stringent deadlines
Solid oral and written communication skills, with ability to interact effectively with all customers, both internal and external
Working knowledge and understanding of regulations from different states
Strong PC skills
Flexible work schedule (rotation of nights and/or weekends as required)
Problem solving skills preferred
Ability to handle difficult conversations preferred
Ability to multitask and prioritize preferred
Customer Accountabilities
Maintains regular communication with the customer by phone or email depending on customer preference
Employee/Team Accountabilities
Completes all annual required training on a timely basis
Accurately document conversations with customers in the loan file
Establishes and follow up on due dates for documentation
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 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, and all colleagues are customer facing. We provide regular leadership and development conversations, mentorship, and training programs to support your goals. We keep growing – and so will you.
Total Rewards & Additional Information Our Total Rewards Package:
Our Total Rewards package reflects investments in colleagues to help them and their families achieve financial, physical and mental well-being goals. It includes base salary and variable compensation/incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and recognition. Learn more. Additional Information:
We’re delighted you’re considering a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to supporting colleagues both at work and at home.
Colleague Development:
If you’re interested in a specific career path or building certain skills, you’ll have regular career, development, and performance conversations with your manager, access to an online learning platform and mentoring programs to unlock future opportunities. TD offers many career paths and is committed to helping you identify opportunities that support your goals.
Training & Onboarding:
Training and onboarding sessions will be provided to ensure you have what you need to succeed in your new role.
Interview Process:
We’ll reach out to candidates of interest to schedule an interview. We strive to communicate outcomes to all applicants by email or phone.
Accommodation:
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other characteristic protected by law. If you are unable to complete the application process due to a disability, please email USWAPTDO@td.com with your needs.
#J-18808-Ljbffr