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TD Bank Loan Underwriter III in Mount Laurel, New Jersey


Job Title:

Loan Underwriter III

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 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 .

Auto req ID:



United States

Job Requirements:

  • Underwrites ethical and salable residential mortgage and consumer loans and evaluates risk while ensuring 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

  • Evaluates all documents and conditions loan accordingly

  • Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation; clears or resolves any issues

  • Escalates integrity issues as appropriate 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

  • Monitors vendor performance if required, submits monthly reports to management

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


M - F

Job Description:

The Loan Underwriter III underwrites and evaluates conventional, FHA, VA, and CRA Residential Mortgage applications in compliance with bank policies and procedures. This job also underwrites and evaluates 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.


New Jersey


Mount Laurel


  • 2 year degree or equivalent experience preferred

  • 3-5 years loan underwriting experience or 5-7 years of loan processing experience

  • 3-5 Years Residential Loan Underwriting Experience

  • Supports the High Net Worth/Wealth Mgmt customers, with residential/consumer lending limits in the $1-2MM aggregate range as approved by Credit Risk Management

  • Outstanding knowledge of loan underwriting documentation requirements

  • Mortgage Operations - complete knowledge of FNMA DU automated underwriting system; must also be familiar with underwriting jumbo loans and government products such as FHA and VA loans

  • 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 regulatory, investor and departmental lending policies for underwriting of conventional loan requests

  • 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: Mount Laurel - 12000 Horizon Way Business Line: TD Bank AMCB Job Category - Primary: Operations & Underwriting Job Category(s): Operations & Underwriting **Province/State (Primary): New Jersey City (Primary): Mount Laurel Job Family: Credit Underwriting / Adjudication and Support Time Type: Full Time Employment Type: Regular Hours/Availability Detail: 40 Work Remotely: Statewide

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