Appraisal Section Manager

Work Location: Charlotte, North Carolina, United States of America

Hours: 40

Pay Details: $115,440 - $186,160 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: Risk Management

Job Description: The Appraisal Section Manager leads TD's Residential Lending appraisal and valuation function, overseeing the review, analysis, and evaluation of residential real estate appraisals and vendor-produced valuations. This leader manages and develops a team of appraisal professionals, drives workflow efficiency, and ensures high-quality, compliant appraisal operations that support mortgage, home equity, servicing, and default management activities. The role calls for a strong people leader with extensive appraisal and valuation expertise, the ability to lead large teams through change, and a proven track record of driving process improvements while maintaining operational excellence. The successful candidate will possess strong business acumen, deep knowledge of appraisal laws, regulations, and industry standards, and the ability to effectively partner with internal stakeholders to deliver a consistent, customer-focused appraisal experience. The Appraisal Section Manager also evaluates appraisal vendors and appraisers, reconciles valuation discrepancies, monitors market conditions, and provides leadership across the end-to-end residential appraisal lifecycle

This position will require an in office presence up to a few days a week based on team needs. Jacksonville, FL - Charlotte, NC - Mount Laurel, NJ - Portland, ME - Greenville, SC - New York, NY

Depth & Scope:

• Evaluates appraisals of particularly complex or unusual properties, applying experience and expert knowledge

• Performs semi-annual and/or quarterly real estate market updates for region of responsibility; May be called upon to present to local or senior management

• Participates in Criticized Asset Reviews when appropriate

• Assists commercial/residential loan officers and management by explaining valuation and appraisal issues and educating them on commercial real estate issues; May accompany commercial loan officers on visits to properties in question to provide direct evaluation of property and assist with risk analysis

• May review appraisal reviews of staff to ensure standards are met. Makes adjustments in methods and procedures as appropriate to ensure compliance

• Reviews content, real estate market surveys, assumptions, and other aspects of appraisals and valuations applying significant industry knowledge and experience to determine adequacy, appropriateness, and reasonableness

• May be called in to opine on lenders assumptions in write-ups and be part of credit decisions

• Determines methodologies used and basis for assumptions, comparing to industry standards and specific knowledge of market; May review properties in question through personal inspection to determine final valuation

• Leads the development and management of appraisal and valuation standards for the Company; Participates in policy review and revision projects, applying specific knowledge of commercial real estate to process

• Solicits quotes from vendors for appraisal services based on the collateral valuation needs of the Company; Negotiates fees and payment terms for appraisal services. Keeps commercial loan officers informed of approved appraisal firms and individuals

• Manages the appraisal ordering function in his or her section in compliance with regulatory and USPAP guidelines utilizing approved list of external appraisers appropriately assigned for the product and submarket

• Reviews the most complex commercial appraisals including industrial, special purpose, multi-family, and large subdivision/tract developments to ensure work is compliant with federal regulatory guidelines, Bank policy and Uniform Standards of Professional Appraisal Practice

• Manages the appraisal needs of Lenders

• Acts as a resource for Lenders and Senior Management

• Provides leadership, support and guidance to the Commercial/Residential Appraisal Section review team in designated region

Education & Experience:

• Bachelors degree or progressive work experience in addition to experience below

• 7+ Years of related experience

• State Certified General Appraisers License and/or MAI designation

• Expert knowledge of commercial real estate valuation methodology and techniques

• In depth knowledge of legal and regulatory aspects of commercial real estate valuation

• Strong analytical and evaluative skills with the ability to combine numerous disparate pieces of data into a comprehensive structure to improve evaluative accuracy and effectiveness

• Excellent interpersonal communications and negotiation skills with the ability to explain interpretive and subjective decisions

• Strong leadership skills including the ability to coach and develop staff

• Ability to manage workflow and adapt to changing conditions based on business objectives and priorities

• Strong prioritization and organizational skills including the ability to establish and change priorities based on sound business reasoning

PREFERRED QUALIFICATIONS:

• Proven experience leading and developing large teams in appraisal, valuation, or mortgage operations.

• Strong residential appraisal and valuation expertise across the full appraisal lifecycle.

• Demonstrated success leading organizational change, process enhancements, and operational improvements.

• Deep knowledge of appraisal regulations, compliance requirements, and industry best practices.

• Strong business acumen, executive presence, and stakeholder management skills.

• Ability to balance strategic leadership with day-to-day operational execution in a fast-paced environment.

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. #LI-AMCB #IN-AMCB

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.