Residential Underwriter

4 days ago

Toronto, Canada Home Trust Company Full time

Come join Home Trust Company as a Residential Underwriter in our Underwriting Classic - Toronto team


Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people. Home Trust is a private company.


FIRST THING – WHAT YOU NEED TO SUCCEED?

We are looking for individuals who are dedicated, passionate, and driven to execute with excellence


WE CARE ABOUT OUR EMPLOYEES WELL-BEING, WHAT WE OFFER:

  • Base salary, with yearly incentive performance bonus
  • Three (3) weeks of vacation, an additional six (6) flex days (sick or personal) in addition to statutory holidays
  • Comprehensive benefit packages, offered through Manulife
  • Group Retirement Savings Plan (GRSP) up to 8% contribution program & employer match
  • $1000 Employee Referral Program
  • Employee Discounts; phone plans, gym membership, Toronto Bike Share and many retailer discounts offered through WorkPerks
  • Education Assistance program


ABOUT THE ROLE:

The Residential Underwriter will adjudicate mortgage applications by assessing prospective clients in accordance with the 5 C's (Capacity, Capital, Collateral, Character, and Conditions). Assessing risk and ensuring all applications adhere to both quality and service standards remain the overarching focus for this role.


In addition:

  • Make prudent credit decisions on complex mortgage files
  • Receive, review, analyze and verify mortgage applications for completeness, accuracy, suitability and risk to ensure compliance with all aspects of Home Trust Company’s underwriting policies, procedures and guidelines per delegated authority matrices
  • Adhere to applicable compliance obligations including Privacy, Anti-Money Laundering/Anti-Terrorist Financing and internal Anti-Fraud Policy requirements
  • File Unusual Transaction Reports as applicable to fulfill individual employee obligations to detect and deter financial crimes activity. Maintain consistent, objective and sound risk assessments in a high volume, service-oriented environment
  • Analyze and underwrite residential mortgage applications, including an assessment of the borrower, real estate security and loan terms as well as identifying any associated risk
  • Negotiate, recommend and approve loan terms within Home Trust’s risk appetite
  • Maintain accurate information and detailed notes on applications
  • Prepare and issue conditional mortgage commitments according to negotiated and approved terms, which outline all conditions that must be met to Home Trust’s satisfaction


WHAT WE REQUIRE:

  • Authorized to work in Canada
  • Great communication skills
  • Post-secondary degree or diploma, preferably in business management, finance, or related field (university an asset)
  • 3-5 years mortgage lending experience


PREREQUISITE: Maintain a positive supportive attitude, help to maintain an inclusive and supportive company culture


Follow us on LinkedIn: Home Trust Company: My Company | LinkedIn

  • Residential Underwriter

    14 hours ago

    Toronto, Canada Home Trust Company Full time

    About the RoleWe are seeking a skilled Residential Underwriter to join our Underwriting Classic - Toronto team at Home Trust Company.As a Residential Underwriter, you will be responsible for assessing mortgage applications and making prudent credit decisions on complex files. You will review, analyze, and verify mortgage applications for completeness,...

  • Residential Underwriter

    11 hours ago

    Toronto, Canada Home Trust Company Full time

    About the RoleWe are seeking a skilled Residential Underwriter to join our Underwriting Classic - Toronto team at Home Trust Company.As a Residential Underwriter, you will be responsible for assessing mortgage applications and making prudent credit decisions on complex files. You will review, analyze, and verify mortgage applications for completeness,...

  • Residential Mortgage Underwriter

    1 week ago

    Toronto, Ontario, Canada Home Trust Full time

    Job Title: Residential Mortgage UnderwriterHome Trust Company is seeking a skilled Residential Mortgage Underwriter to join our team. As a key member of our Mortgage Underwriting business unit, you will be responsible for adjudicating mortgage applications and ensuring compliance with our legislative and regulatory requirements.Key Responsibilities:Assess...

  • Residential Mortgage Underwriter

    1 week ago

    Toronto, Ontario, Canada Home Trust Full time

    Job Title: Residential Mortgage UnderwriterHome Trust Company is seeking a skilled Residential Mortgage Underwriter to join our team. As a key member of our Mortgage Underwriting business unit, you will be responsible for adjudicating mortgage applications and ensuring compliance with our legislative and regulatory requirements.Key Responsibilities:Assess...

  • Residential Underwriting Specialist

    3 weeks ago

    Toronto, Ontario, Canada First National Full time

    About the RoleWe are seeking a highly skilled and detail-oriented Mortgage Underwriter Associate to join our team at First National. As a key member of our Third Party Residential Underwriting Division, you will play a critical role in supporting the underwriting and credit decision process.Key ResponsibilitiesReview and verify accuracy of required...

  • Residential Underwriting Specialist

    3 weeks ago

    Toronto, Ontario, Canada First National Full time

    About the RoleWe are seeking a highly skilled and detail-oriented Mortgage Underwriter Associate to join our team at First National. As a key member of our Third Party Residential Underwriting Division, you will play a critical role in supporting the underwriting and credit decision process.Key ResponsibilitiesReview and verify accuracy of required...

  • Residential Underwriting Specialist

    3 weeks ago

    Toronto, Ontario, Canada First National Full time

    Job Summary:We are seeking a highly skilled and detail-oriented Associate Mortgage Underwriter to join our team at First National. As a key member of our Residential Underwriting department, you will play a critical role in supporting the underwriting and credit decision process.Key Responsibilities:Review and verify accuracy of required documentation...

  • Residential Underwriting Specialist

    3 weeks ago

    Toronto, Ontario, Canada First National Full time

    Job Summary:We are seeking a highly skilled and detail-oriented Associate Mortgage Underwriter to join our team at First National. As a key member of our Residential Underwriting department, you will play a critical role in supporting the underwriting and credit decision process.Key Responsibilities:Review and verify accuracy of required documentation...

  • Residential Underwriter

    4 days ago

    Toronto, Canada Home Trust Company Full time

    Come join Home Trust Company as a Residential Underwriter in our Underwriting Classic - Toronto team! Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential...

  • Manager, Residential Underwriting

    4 months ago

    Toronto, Canada Home Trust Company Full time

    Company Profile Home Capital Group Inc., together with its operating subsidiary Home Trust Company, has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of our core residential and commercial mortgage...

  • Residential Mortgage Underwriter

    3 weeks ago

    Toronto, Ontario, Canada Home Trust Full time

    Job SummaryWe are seeking a highly skilled Mortgage Underwriter to join our team at Home Trust Company. As a key member of our Mortgage Underwriting business unit, you will be responsible for adjudicating residential mortgage applications and ensuring compliance with our legislative and regulatory requirements.Key ResponsibilitiesRisk and Compliance...

  • Residential Mortgage Underwriter

    3 weeks ago

    Toronto, Ontario, Canada Home Trust Full time

    Job SummaryWe are seeking a highly skilled Mortgage Underwriter to join our team at Home Trust Company. As a key member of our Mortgage Underwriting business unit, you will be responsible for adjudicating residential mortgage applications and ensuring compliance with our legislative and regulatory requirements.Key ResponsibilitiesRisk and Compliance...

  • Residential Mortgage Underwriter

    2 weeks ago

    Toronto, Ontario, Canada Home Trust Full time

    Mortgage Underwriter Job DescriptionHome Trust Company is seeking a skilled Mortgage Underwriter to join our team. As a Mortgage Underwriter, you will play a critical role in ensuring the quality and integrity of our mortgage lending process.Key Responsibilities:Assess mortgage applications and make prudent credit decisions on complex filesReview and analyze...

  • Residential Mortgage Underwriter

    2 weeks ago

    Toronto, Ontario, Canada Home Trust Full time

    Mortgage Underwriter Job DescriptionHome Trust Company is seeking a skilled Mortgage Underwriter to join our team. As a Mortgage Underwriter, you will play a critical role in ensuring the quality and integrity of our mortgage lending process.Key Responsibilities:Assess mortgage applications and make prudent credit decisions on complex filesReview and analyze...

  • Residential Mortgage Underwriter

    2 days ago

    Toronto, Ontario, Canada Home Trust Company Full time

    About the RoleThe Residential Underwriter will be responsible for assessing mortgage applications and making prudent credit decisions on complex mortgage files. This role requires a strong understanding of the 5 C's (Capacity, Capital, Collateral, Character, and Conditions) and the ability to analyze and verify mortgage applications for completeness,...

  • Residential Mortgage Underwriter

    3 days ago

    Toronto, Ontario, Canada Home Trust Company Full time

    About the RoleThe Residential Underwriter will be responsible for assessing mortgage applications and making prudent credit decisions on complex mortgage files. This role requires a strong understanding of the 5 C's (Capacity, Capital, Collateral, Character, and Conditions) and the ability to analyze and verify mortgage applications for completeness,...

  • Residential Mortgage Underwriter

    2 weeks ago

    Toronto, Ontario, Canada Home Trust Full time

    Mortgage Underwriter Job DescriptionHome Trust Company is seeking a skilled Mortgage Underwriter to join our team. As a Mortgage Underwriter, you will play a critical role in ensuring the quality and integrity of our mortgage lending process.Key Responsibilities:Assess mortgage applications and make prudent credit decisions on complex filesReview and analyze...

  • Residential Mortgage Underwriter

    2 weeks ago

    Toronto, Ontario, Canada Home Trust Full time

    Mortgage Underwriter Job DescriptionHome Trust Company is seeking a skilled Mortgage Underwriter to join our team. As a Mortgage Underwriter, you will play a critical role in ensuring the quality and integrity of our mortgage lending process.Key Responsibilities:Assess mortgage applications and make prudent credit decisions on complex filesReview and analyze...

  • Residential Underwriter

    4 days ago

    Toronto, Ontario, Ontario, Canada Home Trust Company Full time

    Come join Home Trust Company as a Residential Underwriter in our Underwriting Classic - Toronto team!Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential...

  • Residential Mortgage Underwriter

    4 days ago

    Toronto, Canada Home Trust Company Full time

    About the RoleThe Residential Underwriter will play a critical role in ensuring the quality and service standards of mortgage applications are met. This involves assessing prospective clients in accordance with the 5 C's (Capacity, Capital, Collateral, Character, and Conditions) and making prudent credit decisions on complex mortgage files.Key...