Sales Manager

Employment Type

: Full-Time

Industry

: Sales



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**251457BR** **Job Title:** Community Mortgage Sales Manager (US)-PA **TD Description:** **About TD Bank, America's Most Convenient Bank ** TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking produc **Auto req ID:** 251457BR **Country:** United States **Job Requirements:** Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required Actively recruits CMLOs for their respective markets and continually assesses training and development needs for the defined team Sets Sales strategies for the markets served, influencing revenue growth, expense adherence and improved efficiencies Partners on Market Strategy and participates in regional goal setting; Stays aware of competitive market landscape and capitalizes on sales opportunities Serves as the face of the market(s) served both internally and externally Provides industry knowledge and expertise to recommend and influence pricing, product development, marketing strategy, compliance and underwriting related items Participates on annual incentive design projects to influence the development and continued evolution of respective incentive plans Develops and executes on targeted market strategies, driving residential lending sales and service efforts geared to meet the financial needs of low-and moderate-income, multicultural and first-time homebuyers, with an emphasis on excellence in service Responsible for growth for designated team within sub-market to meet or exceed established goals and objectives for the Region Works directly with the NCLM and CMLOs in managing all production elements of the business including but not limited to the delivery of complete and timely application packages Works in conjunction with the NCLM & Fair Banking Compliance to develop an annual business plan to achieve Community Reinvestment Act and Multicultural Lending residential lending production goals Establishes, through research and direct outreach efforts, relationships and partnerships with nonprofit organizations, realtors, state and local housing offices, and community based affordable housing organizations to generate and increase CRA mortgage opportunities; Represents the bank in community-based meetings and initiatives such as housing seminars, financial literacy programs, affordable housing conferences, etc., which have as their primary focus providing services to low-and moderate-income persons Ensures TD Bank participates in homebuyer education seminars and other financial events to raise consumer awareness of Community loan products and services in all TD Bank's CRA assigned territories Develops and maintains relationships with Retail Management in local markets and supports referral model (MORE) as well as other bank partners to ensure success of Internal Referral strategies Assists with coordination of the business pipelines of CMLO team managed via knowledge of team's files in process Successfully completes all compliance training required by TD Bank and/or by applicable law or regulation and manages CMLO direct reports to ensure timely completion and compliance May sell and originate residential mortgage loans according to established policies and procedures and applicable legal and regulatory guidelines May generate and prospect for referrals for the individual CMLO within the defined sub-market, mortgage sales opportunities and sales of other Company business line products May underwrite loans using point-of-sale underwriting systems within scope of authority; Communicates loan decisions directly to Customers and explains any additional information needed; Ensures applications are completed accurately and contain required information and any supporting documentation before being submitted to processing area to clear any conditions; Finalizes the loan commitment, and prepares for closing Communicates regularly with Customers, underwriters, processors, realtors, closing agents and others to ensure application process proceeds as planned; Manages customers' expectations regarding processing + Must be eligible for employment under regulatory standards applicable to the position. **Hours:** 40 **Job Description:** Job Description Summary The Community Mortgage Sales Manager maintains responsibility for the loan production of a team of Community Mortgage Loan Officers (CMLOs) located within a defined geographic area. The CMSM sets sales strategies and participates in regional goal setting, keeping aware of the competitive market landscape and capitalizing on sales opportunities. The CMSM establishes and maintains relationships with community based affordable housing organizations, Realtors, and state/government agencies which result in lending opportunities for the bank to ensure full compliance with the Community Reinvestment Act (CRA) and Fair Lending regulations. Coordinates regional sales and business development under the supervision of the National Community Lending Manager (NCLM) and recruits Community Mortgage Loan Officers for their respective region. Works with the National Community Lending Manager to influence revenue growth, expense adherence, and improved efficiencies for their region. In addition to supervisory accountabilities, the Community Mortgage Sales Manager may be accountable for selling and originating residential mortgage loans, while ensuring full compliance with the Community Reinvestment Act and Fair Lending regulations. **Inclusiveness:** At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in **Province/State:** Pennsylvania **City:** Philadelphia **Qualifications:** Bachelor's Degree or work experience equivalent to Bachelor's degree required 10+ years' experience in mortgage origination 3+ years' management experience required Minimum of 5 years' experience in originating affordable residential loan originations Training and knowledge of available low-and-moderate income housing programs; Must have extensive mortgage industry & guideline knowledge Demonstrated ability to establish and maintain key relationships and business contacts within the community and targeted industry segments to create opportunities for growth PC skills, including knowledge of mortgage origination and automated underwriting systems Established network of community-based organizations, municipalities and agencies whose primary focus is affordable housing and first-time home buyer education Demonstrated sales ability In-depth knowledge of mortgage industry, products, lending practices and regulatory guidelines Growing network of outside contacts to generate referral flow Self-directed, ability to plan own activities to achieve sales goals Excellent sales skills Excellent communication oral & written skills Excellent motivational skills Keeps updated on all residential mortgages industry trends, products, etc. Must have competitive nature to stay motivated to exceed goals. Must be able to work in a face-paced and changing environment Employee must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry) **Work Location:** 2005 Market Street **Business Line:** TD Bank AMCB **Job Category - Primary:** Sales & Business Development **Job Category(s):** Sales & Business Development ****Province/State (Primary):** Pennsylvania **City (Primary):** Philadelphia **Job Family:** Commercial Lending **Time Type:** Full Time **Employment Type:** RegularFederal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

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