Work Location:
Mount Laurel, New Jersey, United States of America
Hours:
40
Line of Business:
Product Management
Pay Detail:
$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.
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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.
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 Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.
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.