Mortgage Loan Originator Mortgage Loan Originator …

TCF Financial Corporation
in Clarendon Hills, IL, United States
Permanent, Full time
Be the first to apply
TCF Financial Corporation
in Clarendon Hills, IL, United States
Permanent, Full time
Be the first to apply
Mortgage Loan Originator
Mortgage Loan Originator

TCF Home Loans is looking for Mortgage Loan Originatorsin the Chicagoland area.

Were looking forindividuals who thrive in a fast-paced environment, bring customer service tothe next level and have experience as a high performing MLO.

The Mortgage Loan Originator willcomplete applications on prospective loan customers to offer and executemortgages, consumer loans and assess the needs for any other TCF services;within the policies, objectives, and guidelines established by the ConsumerLending division.  Adhere to scheduled workday to ensure accurate andtimely sales execution of all inbound customer leads.   

Major Areas of Accountability   

  • Take complete loan applications to assess the proper mortgage loan for the customer.  Demonstrate professional salesmanship skills and service expectations; build customer confidence.
  • Approve or deny consumer loans within established mortgage lending guidelines per AUS once a complete application is generated.  Document decision analysis in the system of record (Encompass) and properly communicate with customers on next steps as appropriate credit analysis.
  • Recommend other TCF products and refer to the appropriate area to best serve the customers needs.  Leverage Regional Sales Manager as needed to properly assess the customers needs.
  • Demonstrate solid working knowledge of TCF internal policies and procedures such as processing denials, fees, escrows etc.  Ability to navigate on-line manuals and operating systems. 
  • Follow detailed scripting and process to ensure the customer experience is consistent every time.  Is knowledgeable of the lending process, systems and guidelines to appropriately guide the customer.     
  • Knowledgeable of TCF lending products and underwriting criteria.  Able to read, interpret and explain various documents such as appraisals, credit bureaus, title reports, etc.
  • Informed on all services offered by the Bank.  
  • Executes 75%+ in lock pull through and 80%+ pull through in submission to funding.

Minimum Qualifications
  • Minimum of 3 years mortgage lending experience
  • Possess strong working knowledge of all consumer lending regulations.
  • Solid understanding of TCF lending products and underwriting criteria.
  • Demonstrated sales ability.
  • Able to work structured hours.  
  • Good verbal and written communication skills.
  • Good organizational skills.
Preferred Qualifications
  • Four-year college degree
  • NMLS ID - Independently licensed as an MLO preferred but not required
  • Experience with Encompass 
  • Experience with Optimal Blue pricing engine 

Thisposition requires National Mortgage Licensing System (NMLS) registration underthe terms of the S.A.F.E Act of 2008 and Regulation Z.  You will besubject to the required registration process, which includes a criminalbackground and credit check.  Failure to meet or maintain any of the NMLSregistration requirements, including maintaining a satisfactory criminal andcredit record, may result in a rescission of your offer or termination ofemployment.

Build your career with TCF

You have room to grow at TCF. Wepromote from within whenever possible. You can expand your career in thefinancial services industry through our network of operations: retail andcommercial banking, inventory and equipment financing, and corporate services.

Established in 1923, TCF has maintaineda strong foundation.  TCF has over 340 branches in Minnesota, Illinois, Michigan,Colorado, Wisconsin, Indiana, Arizona and South Dakota, providing retail andcommercial banking services. TCF also conducts commercial leasing, indirectauto finance, and equipment finance business in all 50 states, and commercialinventory finance business in all 50 states and Canada.

Build a better community with TCF

We are helping make life better inthe communities we serve, and we encourage our team members to do so as well.We offer free financial education for teens and adults. Our foundationcontributes more than $3 million annually, with preference for organizationswhere our team members volunteer. We match team members contributions toqualified organizations and we match volunteers with organizations that needthe time and talents our team members can provide. 

Our Benefits 

TCF encourages open employeecommunications and promotes from within whenever possible.  We offercompetitive pay, a comprehensive benefits plan, and opportunities for careeradvancement.  For more details on our benefits, click on the EmployeeBenefits link on our career page.

Were proud to be an equalopportunity employer 

All qualified applicants willreceive consideration for employment without regard to race, color, religion,gender, national origin, or other status protected by applicable law. TCF isproud to be an affirmative action/equal opportunity employer.Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

Primary Location: USA-Illinois-Burr Ridge-Us-Il-Burr Ridge- 800 Burr Ridge Parkway
Work Locations:
Organization: TCF Financial Corporation