Mobile Mortgage Specialist

Work Location: London, Ontario, Canada Hours: 37.5 Line of Business: Personal & Commercial Banking Pay Details: $0 - $0 CAD

This role is eligible for commission based earnings. 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.

Job Description: CUSTOMER Identify client life and financial goals, potential barriers, provide recommendations, and ongoing relationship / portfolio management

Identify opportunities to refer clients to Partners (i.e., across Wealth, Retail, Small Business Banking, Commercial)

Provide ongoing comprehensive reviews of clients’ financial circumstances and create long-term relationships by providing financial planning expertise and ongoing services.

Create a legendary customer experience at every interaction and deliver a positive “First Impression’” by engaging customers in a range of sales, service and informational conversations

Provide sound advice to customers and look for ways to contribute to the ongoing improvement of the overall customer experience

Support ONE TD by identifying and referring customers to internal Bank partners as appropriate

Possess comprehensive knowledge of the real estate market, competitive offers in mortgage lending industry, and economic trends

Proactively obtain expert knowledge of TD mortgage lending products and sound knowledge of products

Ensure customer problems are handled professionally, escalating issues to management when necessary

Build and exhibit sales skills and credit knowledge and partner effectively within TD's employee-focused culture

Work closely with District Manager to make sales calls and conduct monthly coaching sessions

SHAREHOLDER Contribute toward the achievement of sales and business development objectives by meeting or exceeding individual monthly sales targets of mortgage products and services

Proactively promote TD’s image within the business community through participation and leadership in community business groups, professional networking events, initiatives, fundraisers, etc.

Support the development and implementation of reporting and processes in a compliant manner, adhering to guidelines established by business unit leadership, internal and external advisors, Audit, Risk, OSFI, and other governing bodies

Understand the market and mortgage lending industry within portfolio, to ensure value-added reporting and analysis is provided to your team and partners while mitigating risk to the Bank

Consistently exercise discretion in managing correspondence, information and all matters of confidentiality

Protect the interests of the organization - identify and manage risks, and escalate non-standard, high risk activities as necessary

Monitor service, productivity and assess efficiency levels within own function and implement continuous process / performance improvements where opportunities exist

Adhere to internal policies/procedures and applicable regulatory guidelines and keep abreast of emerging issues, trends and evolving regulatory requirements and assess potential impacts

Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

Complete all compliance training and attestations within required timelines

Be knowledgeable of and comply with Bank and Industry Codes of Conduct

EMPLOYEE / TEAM Participate fully as a member of the team, promote service to the business, quality, innovation and teamwork and ensure timely communication of issues / points of interest

Support the team by continuously enhancing knowledge/ expertise in own area and participate in knowledge transfer within the team and business unit

Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques

Actively participate in the performance management process in support of own personal and professional development objectives, including coaching sessions

Contribute to a fair and positive working environment that supports a diverse workforce

Participate in team meetings, employee surveys, action planning, and training sessions

Contribute to the success of the team by willingly assisting others in the completion of assigned duties, provide training, coaching and/or guidance as appropriate.

Act as a brand ambassador for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH: Professional role with a focus on providing business development, customer relationship management and/ or sales advisory support within their own area of specialty

Requires expanded knowledge of products/services and key competitors

Understands key business and customer drivers and processes in the context of own work

Identifies referral opportunities at increasing levels of complexity

Sound knowledge of assigned customers’ needs, the competitive landscape and broader market factors

Coordinates activities and timelines across multiple teams to ensure customer needs are met

Executes a moderately complex sales or account management process, focusing on “features” selling and customer data gathering

Investigates and analyzes possible alternative solutions and approaches based on documentation of the customer fact pattern

Impacts sales achievement of their own and related teams

Simplifies information to customers, clarifies unique situations and leads coordination of information to ensure service and standards are met

Work performed under management guidance and supervision

May identify and contribute to problem resolution

Generally reports to a Manager or above

EXPERIENCE AND / OR EDUCATION Undergraduate degree or community college diploma preferred

Minimum 3 years of experience working directly in a client facing, sales or relationship focused role

Who We Are: TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.

Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we’re committed to helping you identify opportunities that support your goals.

Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you

Language Requirement (Quebec only): Sans Objet

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