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Posted: Tuesday, January 23, 2018 4:13 PM

**Auto req ID** 181215BR
**Job Title** Banking Specialist III - Home Lending
**Job Status** Full Time
**Province/ State** New Jersey
**City** Mount Laurel
**Location** 6000 Atrium Way
**Business Line** TD Bank AMCB
**Job Category - Primary** Call Center
**Job Category(s)** Call Center
**TD Description** **About TD Bank, America's Most Convenient Bank **
TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth , and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit at Find TD Bank on Facebook at and on Twitter at .
TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol \"TD\". To learn more, visit at .
**Job Description**
The Banking Specialist III Home Lending performs a variety of activities to support either internal or external customers with their financial needs through inbound and outbound phone calls. Works in a team in a sales delivery call center environment that recommends products, reviews customer profile and loan specific scenarios. This job promotes strong and lasting Customer relationships by delivering a legendary customer experience. Achieves high level of success by understanding customer needs, conducting oneself in a highly professional manner and identifying opportunities to deepen the customer relationship with TD and grow the business. The role is responsible for retaining and expanding existing client relationships within the TD footprint by offering advice based on their total financial situation.
**Job Requirements**
+ Provides sound advice at every customer interaction, contributing to a legendary customer experience.
+ Prospects and develops understanding of other financial objectives, assesses customer information and suggests appropriate product and service solutions based on customer need. Ensures customers understand the value and benefits of suggested alternatives and closes sales. Meets the needs of customers by offering advice based on their total financial situation and possessing a thorough knowledge of customer life cycle needs. Plans and execute relationship building activities.
+ Ensures customer problems are handled appropriately, escalating issues when necessary.
+ Possesses expert knowledge of TD products and services, and sound knowledge of products offered by other bank partners.
+ Possesses comprehensive knowledge of the entire footprint, competitive offers, and economic trends.
+ Takes residential mortgage loan applications and offers or negotiates terms of residential mortgage loans. Also responsible for communicating underwriting decisions, including offers and/or counter-offers of residential mortgage products.
+ Communicates with processors/underwriters as needed to clarify and exchange information. Consults with more experienced underwriting personnel on problems and questions, particularly relating to complex credit.
+ Proactively makes outbound calls to Customers who have inquired about our lending products.
+ High School Diploma or equivalent experience.
+ 1-2 Years of related experience.
+ Demonstrated sales ability including knowledge of TD Bank s products and services.
+ Excellent organizational, interpersonal, and verbal communication skills required.
+ Ability to work in a fast paced, challenging work environment. Exercises high degree of judgment during service interactions.
+ Excellent problem solving and time management skills. Ability to work both independently and collaboratively.
+ Highly developed customer service skills. Cross-trained on multiple call center specialty skill sets preferred.
+ Customer service/call center as well as previous lending experience preferred.
+ Sound knowledge of mortgage and consumer lending, products, policies and procedures and of basic automated underwriting systems.
+ Knowledge of mortgage laws and regulations required, including but not limited to Home Mortgage Disclosure Act(HMDA), Safe & Fair Enforcement for Mortgage Lending Act (SAFE), Real Estate Settlement & Procedures Act (RESPA), and Truth in Lending Act (TILA).
+ Knowledge of state and federal agency mortgage loan guidelines and regulations.
+ Organized and detail oriented. Flexible and must be able to adapt to quickly changing priorities.
+ Ability to maintain confidentiality of sensitive information.
+ Strong product and sales knowledge required on a wide range of product and servicing offering: Credit Card, Mortgage, Home Equity Lending, Unsecured Credit Products, Loans, Checking and Savings Products, Debit Card Advance, Online/Mobile Banking services, Identified opportunities for Money-In and Wealth referrals.
+ Ability to use current and learn new technology applications.
**Hours** 1:30pm - 10pm, Monday - Friday
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach her/his potential.
If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at Please include your full name, contact information and details about your request within the e-mail.
EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.
****Province/State (Primary)** New Jersey
**City (Primary)** Mount Laurel
Associated topics: collections officer, credit, financial record, loan clerk, loan closer, loan collections, loan interviewer, loan processor, mortgage clerk, verify


• Location: Central Jersey

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