Work Location:Charlotte, North Carolina, United States of America
Hours:40
Pay Details:$115,440 - $186,160 USD
TD 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:Risk Management
Job Description:The Appraisal Section Manager leads TD's Residential Lending appraisal and valuation function, overseeing the review, analysis, and evaluation of residential real estate appraisals and vendor-produced valuations. This leader manages and develops a team of appraisal professionals, drives workflow efficiency, and ensures high-quality, compliant appraisal operations that support mortgage, home equity, servicing, and default management activities. The role calls for a strong people leader with extensive appraisal and valuation expertise, the ability to lead large teams through change, and a proven track record of driving process improvements while maintaining operational excellence. The successful candidate will possess strong business acumen, deep knowledge of appraisal laws, regulations, and industry standards, and the ability to effectively partner with internal stakeholders to deliver a consistent, customer-focused appraisal experience. The Appraisal Section Manager also evaluates appraisal vendors and appraisers, reconciles valuation discrepancies, monitors market conditions, and provides leadership across the end-to-end residential appraisal lifecycle
**This is a hybrid position that will require an in office presence a few days a week based on team needs.**
Jacksonville, FL - Charlotte, NC - Mount Laurel, NJ - Portland, ME - Greenville, SC - New York, NYDepth & Scope:- Evaluates appraisals of particularly complex or unusual properties, applying experience and expert knowledge
- Performs semi-annual and/or quarterly real estate market updates for region of responsibility; May be called upon to present to local or senior management
- Participates in Criticized Asset Reviews when appropriate
- Assists commercial/residential loan officers and management by explaining valuation and appraisal issues and educating them on commercial real estate issues; May accompany commercial loan officers on visits to properties in question to provide direct evaluation of property and assist with risk analysis
- May review appraisal reviews of staff to ensure standards are met. Makes adjustments in methods and procedures as appropriate to ensure compliance
- Reviews content, real estate market surveys, assumptions, and other aspects of appraisals and valuations applying significant industry knowledge and experience to determine adequacy, appropriateness, and reasonableness
- May be called in to opine on lenders assumptions in write-ups and be part of credit decisions
- Determines methodologies used and basis for assumptions, comparing to industry standards and specific knowledge of market; May review properties in question through personal inspection to determine final valuation
- Leads the development and management of appraisal and valuation standards for the Company; Participates in policy review and revision projects, applying specific knowledge of commercial real estate to process
- Solicits quotes from vendors for appraisal services based on the collateral valuation needs of the Company; Negotiates fees and payment terms for appraisal services. Keeps commercial loan officers informed of approved appraisal firms and individuals
- Manages the appraisal ordering function in his or her section in compliance with regulatory and USPAP guidelines utilizing approved list of external appraisers appropriately assigned for the product and submarket
- Reviews the most complex commercial appraisals including industrial, special purpose, multi-family, and large subdivision/tract developments to ensure work is compliant with federal regulatory guidelines, Bank policy and Uniform Standards of Professional Appraisal Practice
- Manages the appraisal needs of Lenders
- Acts as a resource for Lenders and Senior Management
- Provides leadership, support and guidance to the Commercial/Residential Appraisal Section review team in designated region
Education & Experience: - Bachelors degree or progressive work experience in addition to experience below
- 7+ Years of related experience
- State Certified General Appraisers License and/or MAI designation
- Expert knowledge of commercial real estate valuation methodology and techniques
- In depth knowledge of legal and regulatory aspects of commercial real estate valuation
- Strong analytical and evaluative skills with the ability to combine numerous disparate pieces of data into a comprehensive structure to improve evaluative accuracy and effectiveness
- Excellent interpersonal communications and negotiation skills with the ability to explain interpretive and subjective decisions
- Strong leadership skills including the ability to coach and develop staff
- Ability to manage workflow and adapt to changing conditions based on business objectives and priorities
- Strong prioritization and organizational skills including the ability to establish and change priorities based on sound business reasoning
PREFERRED QUALIFICATIONS:- Proven experience leading and developing large teams in appraisal, valuation, or mortgage operations.
- Strong residential appraisal and valuation expertise across the full appraisal lifecycle.
- Demonstrated success leading organizational change, process enhancements, and operational improvements.
- Deep knowledge of appraisal regulations, compliance requirements, and industry best practices.
- Strong business acumen, executive presence, and stakeholder management skills.
- Ability to balance strategic leadership with day-to-day operational execution in a fast-paced environment.
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 - 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. #LI-AMCB #IN-AMCB
