**Work Location:** Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $41.75 - $67.00 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:** Credit Management **Job Description:** The Underwriter IV underwrites and evaluates the most complex 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. **Depth & Scope:** + Underwrites complex residential mortgage loans and evaluates risk while ensuring the quality of each loan submitted + Senior level loan decision authority, reviews and underwrites most complex portfolio loans – CEMA, Med/Pro, Construction, Jumbo and Wealth + Approves loans, issues alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures within risk tolerance + Independently considers, recommends and discusses alternative structures and overall assessments + 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. + Indirect supervisory authority; coaches and mentors junior underwriters; assists with training and assesses analysis prepared for accuracy and compliance with policy, guidelines and procedures in all prepared loan recommendations to arrive at an appropriate credit decision + Obtains and reviews financial information and provide in-depth credit analysis practices + Acts as a subject matter expert in the most complex lanes or work **Education & Experience:** + 4 Year Degree or equivalent experience preferred + 5-7 Years of related experience + Strong knowledge of local market sector and industry trends + Ability to understand and interpret real estate appraisals + Ability to identify, analyze and mitigate project risks + Advanced written and verbal communication skill + General knowledge of Microsoft Office Suite + Strong interpersonal and negotiation skills + Strong Focus on documentation and risk management + Demonstrated ability to complete complex tax return analysis to determine cash flow income + History of underwriting complex jumbo loans in addition to thorough knowledge of agency guidelines **Preferred Qualifications:** + Experience underwriting FHA, VA & USDA loans + FHA Direct Endorsement (DE) Certification + VA LAPP/SAR Designation **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. Learn more (http://hrportal.ehr.com/tdtotalrewards) **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 to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. **Interview Process** We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.