Wealth Lending Advisor - Greenville, SC

TD • New York, NY

1d • $44 - $70 • Onsite

About The Position

The Wealth Lending Advisor manages mortgage and consumer lending originations for an assigned region within TD Wealth. This combined credit and sales role develops lending scenarios, takes and processes applications, and delivers a strong client experience. The advisor shares regional lending goals with the assigned team, supports Relationship Managers, sources new credit applications externally, and identifies other TD Wealth and TD Bank products that may benefit clients.

The role works with high-net-worth clients to understand complex financial statements and legal structures, including those involving individuals, trusts, and LLCs, and may propose customized lending structures. The advisor manages team and self-sourced mortgage and consumer pipelines and coordinates with processing and underwriting teams to support timely closings. The role may cover multiple geographic markets and includes occasional domestic travel.

This position is subject to loan-originator requirements under Regulation Z and the SAFE Act. Eligibility for employment with a covered financial institution and registration as a mortgage loan originator with the NMLS are required, along with satisfactory criminal-background and credit checks and required applicant disclosures.

Requirements

• Bachelor’s degree or progressive work experience in addition to the stated experience requirements.
• At least 4 years of experience structuring, processing, and closing mortgages and home equity products for high-net-worth individuals.
• Ability to work in a fast-paced, highly regulated mortgage and consumer lending environment.
• Conversance in all aspects of mortgage and home equity lending.
• Ability to discuss adjustable-rate and fixed jumbo loans, construction loans, home equity lines of credit, and home equity loans with high-end clientele.
• Background in debt-to-income, debt service ratio, non-standard income, and asset-depletion underwriting methodologies.
• Proven sales ability and strong negotiation skills.
• Strong time-management skills and the ability to work independently, with developing ability to plan activities to achieve sales goals.
• Excellent verbal and written communication skills.
• PC skills and ability to learn mortgage origination and automated underwriting systems.
• Eligibility for employment with a covered financial institution under Regulation Z.
• Eligibility for registration as a registered mortgage loan originator with the NMLS under the SAFE Act.
• Satisfactory criminal background check and credit report check, and required statements or certifications concerning government-agency findings.

Nice To Haves

• Cross-border knowledge relating to Canadian clients with second homes in the United States, including familiarity with Canadian tax returns and Canadian holding companies; this knowledge may be acquired on the job.

Responsibilities

• Share responsibility for achieving the assigned region’s mortgage and consumer lending goal.
• Maintain a network of external centers of influence to help originate credit products.
• Identify cross-sell opportunities and refer clients to appropriate parties within TD Wealth and TD Bank NA.
• Create lending scenarios, take applications, and process applications while delivering a strong client experience.
• Work with high-net-worth clients to understand complex financial statements and legal structures for individuals, trusts, and LLCs.
• Propose alternative lending structures, including customized lending solutions.
• Develop and maintain business relationships with Wealth Relationship Managers, processors, underwriters, and external centers of influence.
• Comply with applicable laws, regulations, and guidelines, including Fair Lending, Know Your Customer, Bank Secrecy Act, and anti-money-laundering policies.
• Manage current mortgage and consumer product pipelines for the assigned team.
• Manage the internal prospect pipeline in conjunction with the assigned team.
• Manage a self-sourced pipeline.
• Coordinate with processing and underwriting teams to help ensure loans and lines of credit close in a timely manner.
• Maintain knowledge of mortgage products, lending practices, and regulatory guidelines.
• Plan and manage sales activities to achieve goals.

Benefits

• Base salary and variable compensation or incentive awards, including potential cash and/or equity incentive awards through an incentive plan.
• 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, training, and reward and recognition programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level