Mortgage Renewal Specialist

2 days ago

Toronto ON, Canada Fairstone Bank Full time €50,000 - €60,000

Come join  Home Trust Company  (Subsidiary of Fairstone Bank) as a  Mortgage Renewal Specialist 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. Home Trust is a private company. 
Identify clients' needs, negotiate mortgage rates, recognize up sell opportunities, and recommend HTC refinancing solutions to satisfy our clients and retain business. The incumbent will proactively follow up with clients for signed renewal agreement and supporting documents, and will routinely interact with borrowers, other members of the renewal team, call centre, brokers, underwriting staff, legal /collection departments. Proactively contact all Mortgage Renewal clients in an effort to secure renewal/early renewal
Achieve all specified departmental and individual performance goals and objectives regarding various renewal types
Negotiate renewal mortgage rates within own discretion to achieve specified rate spread for HTC
Review credit reports and FICO scores for each file to verify we are offering correct rate
Effectively identify sales potential, by way of refinancing current mortgage balance, and/or consolidating current secondary financing, or outstanding debts
Challenge/negotiate rates without compromising service and profitability
Must know all HTC products to recommend feasible solutions to satisfy client needs
Offer Life Insurance for each renewal
telephone numbers, employment details
Achieve all specified departmental and individual goals for referrals, Life Insurance accepted applications
BP set up, FN8X accurate and complete) to ensure its authenticity and compliance with all aspects of Home Trust Company's policies and guidelines per delegated authority matrices and applicable compliance obligations, including Underwriting policies and lending guidelines, Privacy, Anti-Money Laundering/ Anti-Terrorist Financing and internal Anti-Fraud Policy requirements
Post-secondary degree or diploma in related area or discipline; University degree in related discipline an asset
~ Additional relevant accreditation(s), certification(s) are strong assets
~Current knowledge of regulations regarding mortgage lending and familiarity with both conventional and government mortgage policies an asset
~ Strong organizational, time-management, research/ analysis, and attention to detail
~ Strong interpersonal relationship building and listening skills
~ This posting is for an existing vacancy within our organization.
Artificial intelligence may be used in parts of the recruitment process. 
If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application.
Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.
Full time Job Type:
Temporary (Fixed Term)

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