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TIAA Retail Direct Loan Officer Sr in CHARLOTTE, North Carolina


As a part of TIAA’s Financial Solutions business, TIAA Bank, a division of TIAA, FSB, provides full-service, nationwide banking and lending services to consumer, commercial and institutional clients through a variety of channels, including online, its Florida-based financial centers and at other business offices throughout the country.


The Retail Direct Loan Officer Senior is responsible for providing a high level of mortgage and loan sales converting prospective clients into new loan applications by presenting customers with a variety of mortgage products and pricing based on their borrowing needs. This position will sell multiple brands of lending products through the use of inbound and outbound sales calls. This role will manage the client experience from origination to closing; additionally, they will have the opportunity to cross sell banking and investment services offered through the partners in other TIAA divisions.


  • Sell multiple brands of company loan productsto prospects, effectively converting leads to borrowers

  • Proficient analyzing, communicating, andguiding consumers on decisions related to mortgage products as it relates tothe specific needs of the customer and the loan applications process; handlemortgage loans of highest complexity, value, and risk

  • Determine and communicate loan level pricingwith customers and management in order to maximize profitability

  • Follow underwriting guidelines to determine thedocumentation and lock/pricing requirements on loan level basis

  • Conversant in various types of borrowingprograms and processes; stays current with changes

  • Responsible for mentoring, training, and insome instances managing the progress of new Retail Direct Loan Originators

  • Responsible for the general loan production;error free applications, the ability to foresee possible inadequacies indocumentation prior to submission to processing

  • Efficiently work with various types of systemsand software programs simultaneously to maximize time spent selling products

  • Knowledge of market fluctuations and expertisemanaging an active pipeline during those fluctuations

  • Manage active pipeline from origination toclosing, work effectively with fulfillment departments to ensure loanrequirements are satisfied and deadlines met

  • Adhere to all federal and state complianceguidelines relative to the position

  • Develop sales skills through attending systemsand product training and other educational opportunities necessary for theposition


  • Must be a self-starter and self-motivated

  • Proven experience carefully analyzing andcommunicating with consumers on decisions related to mortgage products

  • Ability to drive positive client experience andinfluence consumer mortgage product choices

  • Must be organized, responsible, and possessgood judgment to make decisive and accurate decisions with minimal supervision

  • Ability to manage multiple deadlines acrossmultiple operational teams

  • Proficiencyin MS-Word, MS-Excel, MS-Windows, MS-Outlook, Encompass, Velocify, and theinternet


  • High school diploma or equivalent (Bachelor's Degree strongly preferred)

  • Five (5) years of Retail Mortgage Loan Officerexperience at a financial institution or performed in the top 10% of salesforce for one year as a Mortgage Loan Officer

  • Mustbe S.A.F.E. Act registered through NMLS or become S.A.F.E. Act registeredthrough NMLS upon hire

Equal Employment Opportunity is not just the law, it’s our commitment. Read more about the.

If you need assistance applying due to being visually or hearing impaired, please email.

We are an Equal Opportunity/Affirmative Action Employer. We will consider all qualified applicants for employment regardless of age, race, color, national origin, sex, religion, veteran status, disability, sexual orientation, gender identity, or any other legally protected status.

Additional Information

  • Requisition ID: 1724881

Company: TIAA Bank

Post Date: Jan 09, 2020