Rick Bechtel is executive vice president and head of U.S. residential lending for TD Bank. He is accountable for all aspects of consumer lending across TD’s mortgage and home equity businesses. This includes strategy, product and profit-and-loss management, as well as leading the bank’s national sales team and secondary-markets groups. He has been immersed in the industry for nearly 30 years and is focused on growing TD’s residential lending business while ensuring alignment to the bank’s risk profile and continuous focus on clients.