Loan Underwriter IV
TD, Jacksonville, FL, United States
Work Location
Jacksonville, Floride, États-Unis d'Amérique
Hours 40 HR per week
Pay Details $43.75 - $70.00 USD. TD is committed to fair and equitable compensation opportunities for all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Base pay offered may vary based upon the candidate’s skills and experience, job‑related knowledge, geographic location, and other specific business and organizational needs. Candidates are encouraged to discuss compensation details with a recruiter.
Line Of Business Gestion du crédit
Job Description The Underwriter IV underwrites and evaluates the most complex conventional, FHA, VA, and CRA Residential Mortgage applications in compliance with bank policies and procedures. This role also underwrites and evaluates Home Equity and Consumer Loans.
Depth & Scope
Underwrites complex residential mortgage loans and evaluates risk while ensuring the quality of each loan submitted.
Senior‑level loan decision authority; reviews and underwrites the most complex portfolio loans – CEMA, Med/Pro, Construction, Jumbo, and Wealth.
Approves loans, issues alternative options, or takes adverse action using sound judgment while applying bank policies and procedures within risk tolerance.
Independently considers, recommends, and discusses alternative structures and overall assessments.
Evaluates all documents and conditions for loan approval accordingly.
Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation; clears or resolves any issues.
Escalates integrity issues as appropriate and ensures files are compliant with internal guidelines and external regulatory requirements.
Maintains knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements.
Indirect supervisory authority; coaches and mentors junior underwriters; assists with training and assesses analysis prepared for accuracy and compliance with policy, guidelines and procedures in all prepared loan recommendations to arrive at an appropriate credit decision.
Obtains and reviews financial information and provides in-depth credit analysis practices.
Acts as a subject matter expert in the most complex lanes or work.
Education & Experience
4‑year degree or equivalent experience preferred.
5‑7 years of related experience.
Strong knowledge of local market sector and industry trends.
Ability to understand and interpret real estate appraisals.
Ability to identify, analyze, and mitigate project risks.
Advanced written and verbal communication skills.
General knowledge of Microsoft Office Suite.
Strong interpersonal and negotiation skills.
Strong focus on documentation and risk management.
Demonstrated ability to complete complex tax return analysis to determine cash flow income.
History of underwriting complex jumbo loans in addition to thorough knowledge of agency guidelines.
Physical Requirements Never: 0%; Occasional: 1‑33%; Frequent: 34‑66%; Continuous: 67‑100%.
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 – 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. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95 000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well‑being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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.
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. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We’re committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
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 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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Hours 40 HR per week
Pay Details $43.75 - $70.00 USD. TD is committed to fair and equitable compensation opportunities for all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Base pay offered may vary based upon the candidate’s skills and experience, job‑related knowledge, geographic location, and other specific business and organizational needs. Candidates are encouraged to discuss compensation details with a recruiter.
Line Of Business Gestion du crédit
Job Description The Underwriter IV underwrites and evaluates the most complex conventional, FHA, VA, and CRA Residential Mortgage applications in compliance with bank policies and procedures. This role also underwrites and evaluates Home Equity and Consumer Loans.
Depth & Scope
Underwrites complex residential mortgage loans and evaluates risk while ensuring the quality of each loan submitted.
Senior‑level loan decision authority; reviews and underwrites the most complex portfolio loans – CEMA, Med/Pro, Construction, Jumbo, and Wealth.
Approves loans, issues alternative options, or takes adverse action using sound judgment while applying bank policies and procedures within risk tolerance.
Independently considers, recommends, and discusses alternative structures and overall assessments.
Evaluates all documents and conditions for loan approval accordingly.
Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation; clears or resolves any issues.
Escalates integrity issues as appropriate and ensures files are compliant with internal guidelines and external regulatory requirements.
Maintains knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements.
Indirect supervisory authority; coaches and mentors junior underwriters; assists with training and assesses analysis prepared for accuracy and compliance with policy, guidelines and procedures in all prepared loan recommendations to arrive at an appropriate credit decision.
Obtains and reviews financial information and provides in-depth credit analysis practices.
Acts as a subject matter expert in the most complex lanes or work.
Education & Experience
4‑year degree or equivalent experience preferred.
5‑7 years of related experience.
Strong knowledge of local market sector and industry trends.
Ability to understand and interpret real estate appraisals.
Ability to identify, analyze, and mitigate project risks.
Advanced written and verbal communication skills.
General knowledge of Microsoft Office Suite.
Strong interpersonal and negotiation skills.
Strong focus on documentation and risk management.
Demonstrated ability to complete complex tax return analysis to determine cash flow income.
History of underwriting complex jumbo loans in addition to thorough knowledge of agency guidelines.
Physical Requirements Never: 0%; Occasional: 1‑33%; Frequent: 34‑66%; Continuous: 67‑100%.
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 – 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. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95 000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
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 base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well‑being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. 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.
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. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We’re committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
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 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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