Wealth Lending Advisor - Greenville, SC

Job description

Wealth Lending Advisor

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 , 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. §§ 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

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. §§ 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.

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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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

Worksite address

greenville, SC, 29610, US

Who can apply

Review the original listing for work authorization, qualifications and employer requirements.