Loan Closer III (US)

Work Location:

Lewiston, Maine, United States of America Hours:

40

Pay Details:

23.25

• 30.

75 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 Loan Closer III provides support to Consumer and Mortgage Loan Processing through document preparation as it pertains to loan closings. The job works with closing agents to ensure necessary information is provided to complete the loan closing package. The Loan Closer III performs quality reviews and completes quality control analysis.

Depth & Scope:

Works on an independent basis with little supervision Receives assistance from manager with difficult questions and situations Provides guidance to less experienced Closers Prepares legal, regulatory and custom closing documentation if applicable within established Company policies and procedures and applicable legal and regulatory guidelines Reviews loan documentation prior to sending documents to closing agents to ensure completeness, accuracy and compliance to state and federal lending regulations, consulting with more experienced staff as necessary to clarify or interpret regulations Works with closing agents to ensure necessary information is provided to complete loan closing packages while maintaining positive business relationships Completes quality control analysis of standard and nonstandard loan documentation, ensures data integrity and performs various functions related to the workgroup to avert losses and reduce undue risk Acts as mentor and resource to Loan Closer I and Loan Closer II Provides training to Loan Closer I and Loan Closer II May assist Loan Closer Team Lead Furnishes on-site training to new Retail Loan Closers in addition to reinforcement training May manage the daily workflow of files throughout the day to ensure completion by Closers to meet the appropriate timeframe for the scheduled closing Answers phones to assist internal and external customers

Preferred Skills:

Mortgage Closing experience (end to end understanding of the closing phase) Familiarity with closing processes and documentation review/validation Strong communication skills Experience initiating regulatory closing processes Knowledge of sending and explaining closing disclosures to customers Attention to detail in final stage loan processing

Education & Experience:

Associates Degree and/or Bachelors degree Mortgage Operations

• 3-5 Years loan documentation experience Consumer Operations 1-2 years loan documentation experience Strong working knowledge of applicable lending practices Advanced understanding and ability to apply processing procedures and processes Extremely detail orientated with ability to audit and correct procedural errors Ability to maintain positive business relationships with partners, customers and agents Strong ability to handle heavy workload and meet stringent deadlines Ability to interact effectively with internal customers from various departments Strong working knowledge of Bank's loan products Excellent oral and written communication skills, with ability to interact effectively with all customers, both internal and external Excellent PC skills Excellent customer service skills Availability to work a variable schedule which may include nights and/or weekends

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/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

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. 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 & 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. US Labor & Employment Posters | California Privacy | Accessibility | FAQ Our Values At TD we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture. Our Commitment to Diversity, Equity, and Inclusion At TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. Helping to Make an Impact in Communities

• TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future.

That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

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