**Work Location:** Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $110,760 - $178,880 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:** Personal & Commercial Banking **Job Description:** The Retail Lending Operations Group Mgr I is responsible for the oversight and overall day to day activities of the end to end Retail Credit Loan Origination process within assigned Unit. Functions include oversight of daily activities, including pipeline management, workflow, turnaround, productivity, process management, account management, and quality monitoring. Must be located within TD footprint: CT, DE, FL, ME, MD, MA, NH, NJ, NY, PA, RI, SC, VT, VA, DC. **Depth & Scope:** + Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required + Oversees single to multi-faceted Retail Credit and Loan Origination functions/disciplines + Responsible for overseeing the day to day management of all assigned staff + Provides daily leadership to staff with regards to all process, policy, account management, processing underwriting, and closing functions as needed + Ensures established policy and procedure is followed by all operations team members + Supports the commitment to WOW! Service by meeting or exceeding established Operational Metrics in each of the following areas: processing, underwriting, closing + Responsible for ensuring accurate loan delivery + Provides training and/or guidance to team members and sales staff (this includes management level team members) + Supports TD Bank's mission, vision, strategic goals, quality initiatives and service standards + Coaches and mentors operations staff + Adheres to all audit, regulatory, and compliance requirements Lending authority required in accordance with the Bank's Retail Lending Authority and Exception Approval Policy + Develops and maintains strong business relationships with Retail, Product, and other business partners, facilitates partnership meetings **Education & Experience:** + Bachelor's degree or relevant work experience in addition to experience below + 5+ Years Residential Mortgage loan experience of conventional, FHA, and VA loans and Consumer Loan experience + Must have management experience 5+ years with overall responsibility for processing, underwriting, and closing of residential mortgage loans + Extensive working knowledge of residential loan documentation, complete knowledge of FNMA DU and FHLMC LP automated underwriting systems + Must also be familiar with mortgage documentation for jumbo loans, FHA VA and niche products such as Alt-A loans + CMB certification + FHA DE and / or VA LAPP designations + Excellent oral and written communication skills + Excellent PC skills and familiarity with standard office equipment + Ability to work in a fast-paced dynamic environment + Detail-oriented, self-motivated, possessing excellent organizational, analytical and decision-making skills + Knowledge of regulatory, Investor and departmental policies for compliance and residential lending laws + Knowledge of CRA products and Industry + Project management skills are required + Fast paced environment; ability to multi-task effectively + Based on business volume and turn times additional hours and/or weekend hours may be required + Ability to effectively communicate with all levels of management + Ability to think out of the box in structuring and processing loan requests + 10 years of underwriting management experience preferred **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 1026.36, 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 1026.36 + 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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you. **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/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 more (http://hrportal.ehr.com/tdtotalrewards) **Additional 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 Development** If 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. **Interview Process** We’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. **Accommodation** TD 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 USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.