What are the responsibilities and job description for the Loan Underwriter II - Home Equity position at TD Bank?

TD Description

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J.

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD".

Department Overview

Retail Lending Operations - Loan Underwriter II - Home Equity

Job Description

The Loan Underwriter II underwrites and evaluates Home Equity and Consumer Loans. in compliance with bank policies and procedures. Loan Underwriter II underwrites and evaluates conventional, FHA, VA, and CRA Residential Mortgage applications.

Job Requirements

Underwrites all types of income, all product types including ethical and salable residential mortgage loans and consumer loans and evaluates risk while ensuring 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 conditions loan accordingly; informs Processor of any additional items necessary to substantiate loan request

Demonstrates in-depth knowledge of regulatory, investor and departmental lending policies for underwriting of conventional loan requests

Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation; assists in clearing or resolving any issues

Manages 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

Coaches and mentors assigned operations staff; assists with training and guidance as assigned

Must be eligible for employment under regulatory standards applicable to the position.

Qualifications

High school diploma or GED required; 2 year degree or equivalent experience preferred

2 years underwriting experience

Advanced knowledge of loan underwriting documentation requirements

Knowledge of Agency DU automated underwriting system; must also be familiar with underwriting larger, more complex and specialty products

Ability to effectively communicate with all types of personalities and the ability to provide excellent customer service to both internal and external customers

Superior oral and written communication skills

Excellent PC skills

In-depth knowledge of CRA products and industry

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

Inclusiveness

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the 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 application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Job Family

Credit Underwriting / Adjudication and Support

Job Category - Primary

Operations & Underwriting

Job Category(s)

Operations & Underwriting

Hours

Standard Business Hours

Business Line

TD Bank AMCB

Time Type

Full Time

Employment Type

Regular

Country

United States

Province/State

New Jersey

City

Mount Laurel

Work Location

Mount Laurel - 12000 Horizon Way

Work Remotely

Statewide

**Province/State (Primary)

New Jersey

City (Primary)

Mount Laurel

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Loan Underwriter II - Home Equity

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