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About the Role

The Appraisal Section Manager leads TD's Residential Lending appraisal and valuation function. This role oversees the review, analysis, and evaluation of residential real estate appraisals and vendor-produced valuations. The leader manages and develops a team of appraisal professionals, drives workflow efficiency, and ensures high-quality, compliant appraisal operations. This position requires 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.

Responsibilities

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.
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.

Requirements

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.
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.

Skills

Appraisal
Valuation
Residential real estate appraisals
Vendor-produced valuations
Workflow efficiency
Mortgage
Home equity
Servicing
Default management
People leadership
Change management
Process improvements
Operational excellence
Business acumen
Appraisal laws
Regulations
Industry standards
Stakeholder partnership
Customer focus
Appraisal vendor evaluation
Appraiser evaluation
Valuation reconciliation
Market condition monitoring
End-to-end residential appraisal lifecycle management
Commercial real estate valuation methodology
Commercial real estate valuation techniques
Legal aspects of commercial real estate valuation
Regulatory aspects of commercial real estate valuation
Analytical skills
Evaluative skills
Interpersonal communications
Negotiation skills
Leadership skills
Staff coaching
Staff development
Workflow management
Adaptability
Prioritization
Organizational skills
Strategic leadership
Operational execution

Location

Charlotte, North Carolina, United States of America
Jacksonville, FL
Mount Laurel, NJ
Portland, ME
Greenville, SC
New York, NY

Work Type

Hybrid

Experience Level

7+ Years of related experience
Proven experience leading and developing large teams

Education Level

Bachelors degree or progressive work experience
State Certified General Appraisers License and/or MAI designation

Salary/Compensations

$115,440 - $186,160 USD

Benefits

Growth opportunities
Skill development
Total Rewards package
Base salary
Variable compensation/incentive awards
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
Reward and recognition
Regular development conversations
Training programs
Competitive benefits plan
Online learning platform
Mentoring programs
Training and onboarding sessions

About the Company

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.

Equal Opportunity

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.