Wealth Lending Advisor

• Originate mortgage and consumer lending products for a designated Wealth region
• Create lending scenarios, take applications, and process applications
• Deliver a legendary client experience
• Support Wealth Relationship Managers
• Drive direct external sales through new credit applications to TD Wealth
• Identify TD Wealth and TD Bank products that may benefit clients
• Share responsibility for the assigned region's mortgage and consumer lending goal
• Maintain a network of external centers of influence to drive credit-product origination
• Identify cross-sell opportunities and refer clients to appropriate parties
• Understand complex financial statements and legal structures for high-net-worth individuals, trusts, and LLCs
• Propose alternative structures and customized lending solutions
• Develop and maintain relationships with Wealth Relationship Managers, Processors, Underwriters, and external centers of influence
• Ensure compliance with Fair Lending, Know Your Customer, Bank Secrecy Act, anti-money-laundering, and other applicable requirements
• Manage current mortgage and consumer product pipelines for the assigned team
• Manage internal prospect and self-sourced pipelines
• Coordinate with processing and underwriting teams to close loans and lines of credit promptly
• May cover multiple geographic markets

• Bachelor's degree or progressive work experience in addition to the experience below
• 4+ years' experience structuring, processing and closing mortgages and home equity products for High Net Worth Individuals
• Ability to work in a fast-paced, highly regulated mortgage and consumer lending space
• Conversant in all aspects of Mortgage and Home Equity Lending
• Ability to discuss adjustable-rate, fixed jumbo, construction, home equity line of credit, and home equity loan products with high-end clientele
• Background in Debt To Income, Debt Service Ratio, Non Standard Income, and Asset Depletion underwriting methodologies
• Cross-border knowledge working with Canadian clients with second homes in the US, including Canadian tax returns and Canadian Holdco
• Ability to identify and refer cross-sell opportunities
• Proven sales ability
• Ongoing knowledge of mortgage industry, products, lending practices, and regulatory guidelines
• Sales and negotiation skills
• Self-directed ability to plan activities to achieve sales goals
• Strong time management skills
• Excellent verbal and written communication skills
• PC skills, including ability to learn mortgage origination and automated underwriting systems
• Must be eligible for employment with a covered financial institution under Regulation Z standards
• Must be eligible for registration as a registered mortgage loan originator with the NMLS under the SAFE Act
• Satisfactory criminal background check and credit report check
• Required applicant statements/certification regarding administrative, civil, and/or criminal findings by government agencies or authorities

Demonstrates expertise in mortgage and consumer lending, particularly for high-net-worth individuals, with a strong focus on compliance and regulatory standards. Proven ability to drive sales, manage client relationships, and deliver tailored lending solutions.

• Mortgage Origination
• High Net Worth Lending
• Sales Ability
• Regulatory Compliance
• Client Relationship Management

• Mortgage Processing
• Home Equity Products
• Debt To Income Analysis
• Debt Service Ratio Analysis
• Non Standard Income Underwriting
• Asset Depletion Underwriting
• Adjustable-Rate Loan Knowledge
• Fixed Jumbo Loan Knowledge
• Construction Loan Knowledge
• Home Equity Line Of Credit Knowledge

• Excellent Verbal Communication
• Excellent Written Communication
• Strong Time Management
• Sales And Negotiation Skills
• Self-Directed Planning

• Registered Mortgage Loan Originator
• NMLS Registration
• Regulation Z Eligibility

• Fair Lending
• Know Your Customer
• Bank Secrecy Act
• Anti-Money Laundering
• Cross-Border Lending
• Canadian Tax Returns
• Canadian Holdco

• Automated Underwriting Systems
• Mortgage Origination Systems
• PC Skills