Loan Processor IV - Mortgage Lending (HYBRID)

Work Location:Charlotte, North Carolina, United States of AmericaHours:40Pay Details:$24.00 - $33.50 USDTD 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:Personal & Commercial BankingJob Description:The Loan Processor IV provides support to the lending areas by reviewing the accuracy of mortgage and consumer loans from conditional approval to closing.Please note the locations associated with this posting. Position will be hybrid 4x per week in the near future.Depth & Scope:Reviews all required documents, such as, borrower documents, D/U & LP findings, title and HOI for submissionOrders and follows up on all Third -Party needs. HOI, title, 4506T, payoffs, written verifications, subordinations etcProcesses most complex loans such as self-employed income, CEMA, condos and co-ops, Government, Right-Step, Jumbo and WealthOwns borrower communication on loan file from conditional approval to closing.Reviews all required documents, such as, borrower documents, D/U & LP findings, title and HOI for submissionMay order or facilitates for ordering responsible for follow up and receipt of HOI, title, 4506T, payoffs, written verifications, subordinations etcValidate all documents required by underwriting are present, accurately indexed and meet the stated underwriter requirementsEnsure all data fields required by underwriting are completeResolve 3rd party conditions on the loanInteract with vendors providing service on the loan transaction, obtain necessary documentation including Home Owners Insurance providers, Title companies, Home Owners AssociationsEnsure all services required for the loan transaction are ordered timelyDocument all interactions on the loan transactionMay assist in training other Loan ProcessorsExpert system, industry and process knowledgeMay coach and mento junior processorsMay assist junior processors in processing loansMay pre-underwrite filesMay function as manager delegate in certain circumstancesMay serve as a subject matter expert for special projectsEducation & Experience:High school diploma or GED5 plus years loan documentation experienceDemonstrated knowledge of Bank loan products and policiesDemonstrated knowledge of lending softwaredetail-oriented with the ability to multitaskAbility to handle heavy workload and meet stringent deadlinesOutstanding oral and written communication skills, with ability to interact effectively with all customers, both internal and externalSolid knowledge and understanding of states regulationsProficient PC skillsPreferred Qualifications:3-5 years loan processing experienceExperience processing Government loans, FHA, VA and USDAPrior experience with EncompassWho 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 PackageOur 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 moreAdditional 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 DevelopmentIf 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.If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’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.AccommodationTD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at View email address on click.appcast.io . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. #J-18808-Ljbffr