TD Bank

Wealth Lending Advisor - Greenville, SC

TD Bank • $91K — $145K *
New York, NY 10025In-Person
Finance & Insurance
Less than 5 years of experience
Today
Be an Early Applicant
Job Overview by Ladders

Qualifications

  • Bachelor's degree or equivalent work experience
  • 4+ years experience in structuring and closing mortgages and home equity products for high net worth individuals
  • Proficiency in mortgage and home equity lending topics including adjustable rates and construction loans
  • Familiarity with underwriting methodologies such as Debt To Income and Non-Standard Income
  • Ability to cross-collaborate with multiple teams and identify cross-sell opportunities
  • Strong communication skills and proven sales ability

Responsibilities

  • Drive mortgage and consumer lending originations within a designated region
  • Create and process loan applications while ensuring a high-quality client experience
  • Collaborate with Relationship Managers and Processors to meet lending goals
  • Identify and leverage cross-sell opportunities for optimal client service
  • Maintain relationships with external centers of influence to fuel credit product growth
  • Ensure compliance with regulatory policies and create tailored lending solutions
  • Manage various pipelines to ensure efficient loan processing
  • Serve high net worth clients by analyzing complex financial structures

Benefits

  • Opportunities for professional growth and skill development
  • Access to a supportive team environment
  • Engagement with high-profile clients and complex cases
  • Flexible work arrangements may be available
  • Commitment to compliance training and continuing education
Full Job Description
Work Location:
Greenville, South Carolina, United States of America

Hours:
40

Pay Details:
$43.75 - $70.00 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:
TD Wealth
Job Description:

The Wealth Lending Advisor is responsible for all mortgage and consumer originations for a designated region within Wealth. This role is both a credit and sales role. The Wealth Lending Advisor will create scenarios, take applications and process applications all while delivering a legendary client experience. The Wealth Lending Advisor will have a shared mortgage and consumer lending goal for their assigned region. In addition to supporting the Relationship Managers, Advisors will be responsible for direct external sales in the form of new credit applications to TD Wealth. Finally, Wealth Lending Advisors are responsible for the identification of other TD Wealth and TD Bank products which clients might benefit from.

Depth & Scope:
  • Collectively responsible for a shared lending goal with assigned region
  • Maintains a network of external centers of influence to help directly drive the origination of credit products to that shared goal
  • Identifies cross sell opportunities and refers clients to the appropriate party within TD Wealth and TD Bank NA
  • Creates scenarios, takes applications and process applications all while delivering a legendary client experience
  • Works with high net worth clients to understand complex financial statements and legal structures for individuals, trusts and LLC's
  • Proposes alternative structures which may include customized lending solutions
  • Develops and maintains strong business relationships with Wealth Relationship Managers, Processors, Underwriters and External Centers of Influence
  • Ensures compliance with applicable laws, regulations and guidelines, as detailed in policies located on company Intranet; policies include, but are not limited to, Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable anti-money laundering policies
  • Manages current mortgage and consumer product pipelines for assigned team
  • Manages internal prospect pipeline in conjunction with assigned team
  • Manages self-sourced pipeline
  • Works with High Speed High Touch Processing and Underwriting teams to ensure loans and lines of credit close in a timely manner


Education & Experience:
  • Bachelor's degree or progressive work experience in addition to experience below
  • 4+ Years' experience structuring, processing and closing mortgages, home equity products for High Net Worth Individuals
  • Ability to work in a fast paced, highly regulated mortgage and consumer lending space
  • Candidate will be conversant in all aspects of Mortgage and Home Equity Lending
  • Candidate will understand and be able to discuss with high end clientele, adjustable rate, fixed jumbo loans, construction loans, home equity lines of credit and home equity loans
  • Background in Debt To Income, Debt Service Ratio, Non Standard Income and Asset Depletion underwriting methodologies
  • Cross Border knowledge working with Canadian clients having second homes in the US; this includes background on Canadian tax returns, Canadian Holdco, (This can be acquired on the job)
  • Ability to identify and refer cross sell opportunities that may arise through credit process
  • May cover multiple geographic markets
  • Proven Sales ability
  • Ongoing knowledge of mortgage industry, products, lending practices and regulatory guidelines
  • Maintains the highest level of sales ability and negotiation skills
  • Self-directed, with developing ability to plan own activities to achieve sales goals
  • Strong time management skills
  • Excellent communication skills, both verbal and written
  • PC skills, including ability to learn mortgage origination and automated underwriting systems


OCC Language:
  • This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. a7a7 5102 et seq., and its implementing regulations, 12 CFR Part 1007
  • Must be eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36
  • Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. a7a7 5102 et seq., and its implementing regulations, 12 CFR Part 1007
  • Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority, are required by federal law for this position


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.

About TD Bank

TD Securities offers a range of advisory and capital market services to its clients. The company's range of services includes research, investment banking, capital markets, and global transaction banking. Research consists of commodity and equity research. Investment banking consists of mergers, acquisitions, industry expertise, and credit origination. Global transaction banking consists of trade finance, cash management, and correspondent banking. TD Securities was founded in 1855 and is based in Ontario.

TD Bank Careers

Join the vibrant team at TD Bank, one of North America's leading financial services organizations, where innovation, leadership, and growth go hand in hand. At TD Bank, we are committed to fostering a culture of diversity and inclusion, making it an ideal place for ambitious professionals to thrive. Work You’ll Do At TD Bank, your professional journey is bolstered by a robust support system. From your first interview to every career milestone, you will find opportunities for growth and leadership. Our team is dedicated to helping you develop the skills necessary for success in the ever-evolving financial sector. TD Bank offers a variety of job opportunities across multiple fields, from customer service to investment banking. Each position at TD Bank is a chance to contribute to our culture of innovation and exceptional client service. Internship Programs Kickstart your career with a TD Bank internship. Our programs provide invaluable industry exposure and hands-on experience, making them a perfect starting point for students and recent graduates eager to make their mark in the banking industry. Interns at TD Bank enjoy the unique opportunity to work alongside seasoned professionals, gaining insights that are crucial for future employment. Benefits and Growth TD Bank is deeply committed to the well-being and continuous growth of our team members. We offer competitive benefits packages that cover health, finance, and family care. Our employees enjoy comprehensive health insurance, retirement plans, and generous paid time off, among other perks. Moreover, TD Bank encourages professional development through various training programs, including leadership development and diversity training. These initiatives ensure that our team remains at the forefront of industry standards and best practices. Join Our Team Explore the numerous career paths available at TD Bank and discover how your skills and interests align with our mission. We are actively hiring and continually looking for talented individuals who are passionate about banking and customer service. Networking and Professional Development At TD Bank, we believe in the power of networking and collaboration. Our employees have access to a wide range of networking events, workshops, and seminars that promote career development and professional growth. These platforms not only enhance your professional skills but also expand your industry connections. Stay Connected Keep up to date with the latest at TD Bank Careers by subscribing to our job alert emails. Tailor your subscription to match your career preferences and get the latest news, insider tips, and job opportunities delivered straight to your inbox. Explore job opportunities at TD Bank and be part of a team that values hard work, creativity, and a diverse workplace culture. Your next great career move is just a click away. SEARCH TD BANK JOBS Join us at TD Bank and let your ambition lead you to a rewarding career filled with opportunities to learn, grow, and innovate.
Learn more about TD Bank
Size
90,000 employees
Market Cap
$117.9 billion
Industry
Finance & Insurance
Net Income
-$6.9 million
5 Year Trend
+6.6%
* Ladders Estimates

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