Job Description
Work Location:
Mount Laurel, New Jersey, États-Unis d'Amérique Hours:
40 Pay Details:
$25.75 - $38.50 USD 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. Line Of Business:
Gestion du crédit Overview:
The Loan Underwriter I is primarily responsible for Mortgage Operations: Underwriting and evaluating conventional, FHA, VA, and CRA Residential Mortgage applications in compliance with bank policies and procedures. Consumer Operations: Underwriting and evaluating Home Equity and Consumer Loans. Depth & Scope: Underwrites ethical and salable residential mortgage and consumer loans and evaluate risk while insuring the quality of each loan submitted Approves loans, issues alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures Validates the data entry to the appropriate Loan Operating System and evaluates all applicable documentation as required by job function and condition Demonstrates in-depth knowledge of regulatory, investor and departmental lending policies for underwriting of conventional loan requests Evaluates all documents and conditions loan accordingly. Inform Processor of any additional items necessary to substantiate loan request Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation and assists in clearing or resolving any issues Notifies Management of integrity issues and ensures files are compliant to internal guidelines and external regulatory requirements Maintains knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements May coach and mentor assigned operations staff and assists with training and guidance as assigned by Underwriting Manager Education & Experience: High school diploma or GED required 1-2 years underwriting experience and/or 2+ years of loan processing experience Working knowledge of loan underwriting and documentation requirements Knowledge of Agency Guidelines and DU automated underwriting system and the ability to provide excellent customer service to both internal and external customers Excellent oral and written communication skills Solid PC skills Knowledge of regulatory, investor and departmental lending policies for underwriting Knowledge of CRA products and industry Detail oriented, possessing excellent organizational, analytical and decision making skills Ability to communicate with multiple business partners in the organization Ability to handle heavy workload, multitask and meet stringent deadlines Physical Requirements: Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is committed to being a leader in customer experience and believes that all colleagues are customer facing. We support regular leadership and development conversations, mentorship and training programs to help you reach your goals. As an organization, we keep growing – and so will you. Our Total Rewards Package:
Our Total Rewards package includes base salary and variable compensation/incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and recognition. Learn more. Additional Information:
We’re delighted 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. Colleague Development:
If you’re interested in a specific career path or want to build certain skills, you’ll have regular career development and performance conversations with your manager, access to an online learning platform and mentoring programs to unlock future opportunities. TD offers diverse career paths and supports your goals. Training & Onboarding:
We provide training and onboarding sessions to ensure 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 strive to communicate outcomes to all applicants by email or phone. Accommodation:
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
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Work Location:
Mount Laurel, New Jersey, États-Unis d'Amérique Hours:
40 Pay Details:
$25.75 - $38.50 USD 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. Line Of Business:
Gestion du crédit Overview:
The Loan Underwriter I is primarily responsible for Mortgage Operations: Underwriting and evaluating conventional, FHA, VA, and CRA Residential Mortgage applications in compliance with bank policies and procedures. Consumer Operations: Underwriting and evaluating Home Equity and Consumer Loans. Depth & Scope: Underwrites ethical and salable residential mortgage and consumer loans and evaluate risk while insuring the quality of each loan submitted Approves loans, issues alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures Validates the data entry to the appropriate Loan Operating System and evaluates all applicable documentation as required by job function and condition Demonstrates in-depth knowledge of regulatory, investor and departmental lending policies for underwriting of conventional loan requests Evaluates all documents and conditions loan accordingly. Inform Processor of any additional items necessary to substantiate loan request Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation and assists in clearing or resolving any issues Notifies Management of integrity issues and ensures files are compliant to internal guidelines and external regulatory requirements Maintains knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements May coach and mentor assigned operations staff and assists with training and guidance as assigned by Underwriting Manager Education & Experience: High school diploma or GED required 1-2 years underwriting experience and/or 2+ years of loan processing experience Working knowledge of loan underwriting and documentation requirements Knowledge of Agency Guidelines and DU automated underwriting system and the ability to provide excellent customer service to both internal and external customers Excellent oral and written communication skills Solid PC skills Knowledge of regulatory, investor and departmental lending policies for underwriting Knowledge of CRA products and industry Detail oriented, possessing excellent organizational, analytical and decision making skills Ability to communicate with multiple business partners in the organization Ability to handle heavy workload, multitask and meet stringent deadlines Physical Requirements: Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is committed to being a leader in customer experience and believes that all colleagues are customer facing. We support regular leadership and development conversations, mentorship and training programs to help you reach your goals. As an organization, we keep growing – and so will you. Our Total Rewards Package:
Our Total Rewards package includes base salary and variable compensation/incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and recognition. Learn more. Additional Information:
We’re delighted 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. Colleague Development:
If you’re interested in a specific career path or want to build certain skills, you’ll have regular career development and performance conversations with your manager, access to an online learning platform and mentoring programs to unlock future opportunities. TD offers diverse career paths and supports your goals. Training & Onboarding:
We provide training and onboarding sessions to ensure 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 strive to communicate outcomes to all applicants by email or phone. Accommodation:
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
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