TD · 21 hours ago
Loan Underwriter IV (US)
Windham, ME
Full-time
Onsite
Senior Level
$43.75/hr - $70/hr
5+ years expTD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. They are seeking a Loan Underwriter IV who will underwrite and evaluate complex residential mortgage applications and loans while ensuring compliance with bank policies and procedures.
BankingFinanceFinancial ServicesWealth Management
Responsibilities
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
Qualification
Required
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
Benefits
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
Reward and recognition
Company
The Toronto-Dominion Bank & its subsidiaries are collectively known as TD Bank Group (TD).
10001+ employees
H1B Sponsorship
TD has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2022 (1)
2020 (6)
Funding
Current Stage
Late StageTotal Funding
$65MKey Investors
U.S. Department of the Treasury
2023-10-03Grant· $65M
Leadership Team
Brian Jacobson
Chief of Staff to the CEO, TD Bank, America's Most Convenient Bank
F
Foster Glenn
Senior Vice President Technology and Data Risk Management
Recent News
2026-01-06
2026-01-03
Maryland Daily Record
2026-01-03
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