Community Mortgage Loan Officer

Community Mortgage Loan Officer originating affordable-homebuyer loans for TD Bank. Building community referral networks and guiding CRA, multicultural, and first-time buyers through mortgage lending.

Posted 8/10/2026full-timeRemote • Maryland • 🇺🇸 United StatesMid-LevelSenior💰 $29 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in mortgage origination, including knowledge of lending practices, regulatory guidelines, and the ability to build and maintain referral networks. Proven sales ability with a focus on low- and moderate-income borrowers and first-time homebuyer education.

Highest-signal resume keywords

Mortgage OriginationNMLS RegistrationSales AbilityKnowledge of Lending PracticesReferral Network Development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Mortgage Application ProcessingUnderwriting CommunicationLoan DocumentationRegulatory ComplianceMarket Trend AnalysisAutomated Underwriting SystemsSales Goal AchievementLoan Information EntryCustomer GuidanceClosing Coordination

Soft Skills

Time ManagementSelf-Directed PlanningCommunication SkillsRelationship BuildingMultitasking

Certifications & Qualifications

Active NMLS RegistrationEligibility Under Regulation ZEligibility Under SAFE Act

Industry Keywords

Affordable HousingCommunity OrganizationsFirst-Time Homebuyer EducationLow-Moderate Income BorrowersMortgage IndustryFinancial Literacy ProgramsReal Estate Market TrendsReferral Business GenerationHousing SeminarsRegulatory Guidelines

About the role

Key responsibilities & impact

Identify, develop, and maintain networks of community organizations, Realtors, and local/state government agencies generating mortgage referrals
Take residential mortgage loan applications and communicate underwriting decisions, offers, and counteroffers
Increase mortgage loan volume focused on CRA, low- and moderate-income, multicultural, and first-time homebuyer borrowers
Research organizations and agencies serving low- and moderate-income persons and communities
Establish relationships with nonprofits, Realtors, housing offices, and affordable housing organizations
Represent TD at housing seminars, financial literacy programs, affordable housing conferences, and community initiatives
Explain mortgage products and services, recommend solutions, communicate loan terms, and finalize sales
Sell other Company products and services as appropriate
Guide customers through mortgage applications, disclosures, documentation, processing times, and closing dates
Coordinate with customers, underwriters, processors, Realtors, closing agents, and other parties to keep applications on schedule
Attend closings as needed
Report progress toward goals to management and request assistance as needed
Sell and originate residential mortgage loans according to policies, procedures, and legal and regulatory guidelines
Communicate loan decisions and submit application materials and required information to processing and underwriting
Maintain current knowledge of local real estate market trends and mortgage policies, procedures, rules, and regulations
Build and maintain referral-source networks among brokers, builders, attorneys, accountants, financial planners, and other professionals
Enter loan information into mortgage systems and create supporting underwriting and regulatory files

Requirements

What you’ll need

Bachelor’s degree or progressive work experience in addition to the required experience
3+ years of related experience
Growing network of outside contacts generating quality referral business
Self-directed ability to plan activities and achieve sales goals
Excellent time management skills
PC skills, including mortgage origination and automated underwriting systems
Active registration status with NMLS (Nationwide Mortgage Licensing System and Registry)
Established network of community organizations, municipalities, and agencies focused on affordable housing and first-time homebuyer education
Demonstrated sales ability
In-depth knowledge of mortgage industry, products, lending practices, and regulatory guidelines
Minimum target annual loan originations of 48 LMI/multicultural units
Eligibility for employment with a covered financial institution under Regulation Z standards
Eligibility for registration as a registered mortgage loan originator with NMLS under the SAFE Act
Satisfactory criminal background check and credit report check
Required statements/certification regarding administrative, civil, and/or criminal findings by government agencies or authorities
Ability to perform the listed physical requirements, including continuous sedentary work, multitasking, office-equipment operation, concentration, and reading/writing/comprehension

Benefits

Comp & perks

Base pay of $28.85 per hour
Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
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
Reward and recognition
Regular career, development, and performance conversations with manager
Online learning platform
Mentoring programs
Training and onboarding sessions
Accommodation support for applicants with disabilities