Head, Home Equity Lending Fulfillment (US)

Work Location :

Mount Laurel, New Jersey, United States of America

Hours : Pay Details :

200,000 - $280,000 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 : Product Management

Job Description : Depth & Scope :

Provides people management leadership of 300 FTE 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

Manages and motivates people by creating an environment conducive to the development and retention of diverse and high performing talent

Delivers operational strategy previously defined in partnership with Head of Home Lending Operations across all areas of responsibility

Drives disciplined understanding and management of key operational metrics, ensuring strong regulatory control, effective expense management and an obsessed customer experience

Keeps abreast of and implement process automation tools to manage direct cost to fulfill, efficiency and quality.

Serves as an advocate for both the Home Lending Home Equity strategy and broader AMCB short-, medium- and long-term goals ensuring understanding of those across teams managed

Builds and maintains effective working relationships with investors, regulators, and vendors to drive a strong home equity lending operation focused on low friction for customers

Drives a culture of disciplined home equity fulfillment delivery with a focus on regulatory compliance along with process efficiency

Enhances and publishes reporting used to manage end to end operations. Leads and manages daily workflow in an effort to meet the department, regulatory and investor SLAs

Clearly defines linkage between policies, regulations with procedures and work instructions

Understands how to develop KPIs and level into leading and lagging indicators specific to RESL Fulfillment & Servicing

Works closely with other areas of TD Bank AMCB Residential Lending Product, Risk, Home Equity, Default management & servicing to maintain proper quality control, consistent customer experience and awareness of enterprise initiatives

Works closely with the QC, QA, Audit, Loan Review teams to ensure control reviews are inclusive, system and process enhancements and utilization are implemented consistently

Solves problems with the full lending customer in mind (understands implications of decisions to sales, home equity and product partners)

Leverages the broad AMCB operational capabilities to drive improvement in the home equity fulfillment business

Education & Experience :

Bachelor's degree or equivalent experience required

10 years of related experience

Full understanding of the residential real estate lending businesses

Strong communicator who can articulate the facts of a problem and corresponding solutions

Ability to handle multiple priorities with varying degrees of complexity and time commitment

Strong organizational, research, analytical and problem-solving skills

Track record of process assessment and improvement with focus on removing waste and driving control

Experience developing short, medium, and long term strategies with defined outcomes and measurable milestones

Strong background in operations management routines i.e., monthly business reviews, quarterly business reviews, management off-sites

Key skills in manager and staff development, delegation, and controls

Excellent verbal and written communication skills

High attention to detail

Ability to provide professional support and present a positive image of the Department and Bank

Regular travel to out of state locations, key regulatory engagements, and industry conferences

Work Location

We are open and flexible to candidates based in other states across the US. We value talent and dedication over location and are committed to fostering a supportive and inclusive remote work environment for the right candidate.

Physical Requirements :

Never : 0%; Occasional : 1-33%; Frequent : 34-66%; Continuous : 67-100%

Domestic Travel – Occasional

International Travel – Occasional

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 ()

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

If you are an applicant with a disability and need accommodations to complete the application process, email the 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 application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Salary : $200,000 - $280,000