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Loan Underwriter II

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Job Details
Job Order Number
Company Name
TD Bank
Physical Address

South Portland, ME 04116
Job Description


Job Title:

Loan Underwriter II

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. To learn more, visit at 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 at .

Auto req ID:


Department Overview:

Remote position within TD Bank footprint from ME – FL.


United States

Job Requirements:

+ Underwrites all types of income, all product types including ethical and salable residential mortgage loans 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 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.

+ Manage 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 by Underwriting Manager.

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



Job Description:

The Loan Underwriter II 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.


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 . 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.


Maine, New Jersey, New York, South Carolina


Lexington, Mount Laurel, New York City, South Portland


+ 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.

+ 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.

Work Location:

151 Corley Mill Road, 250 Maine Mall Road, Remote Mount Laurel, Remote New York City

Business Line:


Job Category – Primary:

Operations & Underwriting

Job Category(s):

Operations & Underwriting

Province/State (Primary):**


ProvState 2:

New Jersey

ProvState 3:

New York

ProvState 4:

South Carolina

City (Primary):

South Portland

City(s) 2:

Mount Laurel

City(s) 3:

New York City

City(s) 4:


Job Family:

Credit Underwriting / Adjudication and Support

Time Type:

Full Time

Employment Type:


Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

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