Loan Underwriter IV (Fintech)

TL;DR

Loan Underwriter IV (Fintech): Underwriting and evaluating complex residential mortgage and consumer loan applications with an accent on risk management and regulatory compliance. Focus on analyzing high-value portfolio loans, tax return cash flow determination, and mentoring junior underwriting staff.

Location: Remote (Must be based in the USA; locations mentioned: Jacksonville, Charlotte, Mount Laurel, Lexington)

Salary: $43.75 - $70.00 per hour

Company

TD is one of the world's leading global financial institutions and the fifth largest bank in North America.

What you will do

• Underwrite complex residential mortgage loans (CEMA, Jumbo, Wealth) and consumer loans.
• Evaluate risk and ensure quality of submitted loans while applying bank policies and risk tolerance.
• Issue loan approvals, alternative options, or adverse actions using sound judgment.
• Analyze complex tax returns to determine cash flow income.
• Coach and mentor junior underwriters to ensure accuracy and compliance in loan recommendations.
• Act as a subject matter expert for the most complex underwriting lanes.

Requirements

• 5-7 years of related underwriting experience.
• Must be based in the United States.
• Strong knowledge of local market sectors and industry trends.
• Ability to interpret real estate appraisals and mitigate project risks.
• Advanced written and verbal communication skills.
• 4-year degree or equivalent experience preferred.

Culture & Benefits

• Comprehensive Total Rewards package including base salary and variable incentive awards.
• Health and well-being benefits, savings, and retirement programs.
• Paid time off including Vacation, Flex, and Holiday PTO.
• Banking benefits and discounts for colleagues.
• Dedicated career development through regular performance conversations and online learning platforms.

Hiring process

• Application review followed by interviews with the recruitment team and hiring managers.
• Communication of outcomes provided via email or phone call.