Loan Underwriter I
Company Name:
TD Bank
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. To learn more, visit . Find TD Bank on Facebook at and on Twitter at .
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. To learn more, visit .
Job Description 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 evaluate 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 condition 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.
Qualifications High school diploma or GED.
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.
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 her/his potential.
If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at . Please include your full name, contact information and details about your request within the e-mail.
EOE/Minorities/Females/Veterans/Individuals with Disabilities.
Loan Underwriter I
Bedford-New Hampshire
76004br Estimated Salary: $20 to $28 per hour based on qualifications.
TD Bank
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. To learn more, visit . Find TD Bank on Facebook at and on Twitter at .
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. To learn more, visit .
Job Description 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 evaluate 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 condition 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.
Qualifications High school diploma or GED.
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.
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 her/his potential.
If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at . Please include your full name, contact information and details about your request within the e-mail.
EOE/Minorities/Females/Veterans/Individuals with Disabilities.
Loan Underwriter I
Bedford-New Hampshire
76004br Estimated Salary: $20 to $28 per hour based on qualifications.
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