Loan Underwriter I - Home Equity

TD Bank; Mount Laurel Township (NJ); On-site; USD 35,473 - 53,037; Full time

Benefits offered by this job

Plan de santé et de bien-être

Opportunités de développement professionnel

Programmes de reconnaissance

Job summary

Une institution financière mondiale recherche un(e) Loan Underwriter I pour évaluer et souscrire des demandes de prêts résidentiels conformes aux politiques de l'établissement. Le candidat idéal devrait avoir au moins 1-2 ans d'expérience dans la souscription ou le traitement de prêts, avec d'excellentes compétences en communication et une bonne connaissance des lignes directrices des agences. Ce poste offre des opportunités de développement de carrière et un salaire compétitif.

Qualifications

• Expérience de 1 à 2 ans en souscription ou 2+ ans en traitement de prêts.
• Connaissance des exigences de souscription et de documentation.
• Connaissance des lignes directrices des agences.

Responsibilities

• Évaluer les demandes de prêts en conformité avec les politiques de l'établissement.
• Valider les données entrées dans le système de prêts.
• Informer le gestionnaire de tout problème d'intégrité.

Skills

Connaissances en souscription de prêts

Compétences en communication orale et écrite

Compétences analytiques

Excellentes compétences organisationnelles

Education

Diplôme de lycée ou GED

Tools

Système de souscription automatisé

Job description

Nous utilisons des témoins pour fournir et améliorer nos services de sorte à vous offrir une expérience plus personnalisée, et les services de suivi sont désactivés. Pour en savoir plus sur les témoins utilisés et pour consulter vos préférences, veuillez vérifier les paramètres de votre navigateur ou sélectionner Accepter pour consentir à l’utilisation des témoins.Avertissement : Pour les visiteurs de l’Union européenne et du Royaume-Uni, seuls les témoins strictement nécessaires sont utilisés sur ce site. Ces témoins sont nécessaires au bon fonctionnement du site Web et ne peuvent pas être désactivés. Ils sont généralement mis en place uniquement en réponse à des actions que vous effectuez et qui équivalent à une demande de services, comme configurer vos préférences en matière de confidentialité, ouvrir une session ou remplir des formulaires. Vous pouvez configurer votre navigateur pour qu’il bloque ces témoins; toutefois, certaines sections du site ne fonctionneront pas. Ces témoins n’enregistrent pas de renseignements personnels permettant l’identification.**Work Location:**Mount Laurel, New Jersey, États-Unis d'Amérique**Hours:**40**Pay Details:**$25.75 - $38.50 USDTD 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**Job Description:**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 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**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:**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 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 – ContinuousThe 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 deliver legendary customer experiences to 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 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 deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.**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.**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