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Senior Mortgage Underwriter

3 months ago

Calgary Alberta DJ, CA RFA Bank of Canada, RFA Mortgages Corp. Full time

RFA’s residential mortgage lending business is operated by RFA Mortgage Corporation and RFA Bank of Canada, a federally regulated Schedule I Bank. RFA Mortgage Corporation specializes in Prime lending (Insured, Insurable, Uninsurable), while RFA Bank of Canada is a balance sheet based Alternative mortgage lender (Alt-A and B lending). Combined, RFA offers mortgage brokers a one-stop shop with our full suite of competitive Prime and Alternative mortgages.


RFA’s strategic vision is to be a long-term leader in the residential lending segment by offering a value proposition beyond just rate and compensation. Through building a competitive broker experience and solutions-oriented product suite, RFA’s goal is to be recognized and recommended by our mortgage broker partners, mortgagors, and other strategic partners, for our financing solutions and broker/client experience.


The Opportunity

We are looking for a Senior Mortgage Underwriter to join our Western Canada team. The successful candidates will review, process, and approve mortgage applications in a timely and effective manner resulting in the achievement of RFA Mortgage Corporations overall residential mortgage underwriting policy and applicable guidelines.


Customer Results
  • Underwrite to highest credit quality standards as defined by the Residential Mortgage Underwriter Policy.
  • Negotiate, approve, recommend, and decline applications within RFA Mortgage Corporations Residential Underwriting Guidelines, including without limitation:
  • Review of credit information.
  • Review of real estate appraisals for consistency, with prevailing market conditions.
  • Terms and conditions on all mortgage applications.
  • Submit applications for insurer approval, where applicable.
  • Prepare and issue mortgage commitments.
  • Follow up on outstanding conditions/documents.
  • Review and verify accuracy of required documentation related to the mortgage commitment. Requirements include Income validation, down-payment validation, collateral validation, title, mortgage statements, tax statements, etc.
  • Modify mortgage applications related to changes in documentation reviewed; submitting to Mortgage Insurer(s) where required.
  • Identify and escalate instances of suspected fraud to Senior Management and Quality Assurance.
  • Maintain service levels in an environment of high volumes and the competing demands of customers and employees.
  • Maintain direct contact with mortgage originators via updates specific to the application from fulfillment through to closing.
  • Build and maintain exceptional customer service levels.

Operational Efficiency and Risk Management
  • Manage work volumes to meet short timelines with a high level of quality.
  • Evaluate real estate and associated risks in a volatile market.
  • Handle difficult interactions and unpopular decisions.
  • Build relationships with mortgage brokers and related business partners.
  • Keep up to date with evolving policies and procedures.

What you can bring to RFA:
  • Must have previous residential mortgage underwriting experience.
  • Undergraduate university degree is an asset.
  • Detailed working knowledge of real estate and covenant assessments, legislation and land title systems in all provinces.
  • Detailed working knowledge of principles of credit analysis and risk management.
  • Understanding of credit scoring.
  • Ability to understand financial statements and assess financial viability.
  • Previous experience working with mortgage brokers or an external mortgage sale force.
  • Working knowledge of PC software in a Windows environment.
  • An ability to handle pressure caused by high volumes and tight turnaround times.

Benefits of Working at RFA:
  • Health & Dental Care
  • Vision Care
  • RRSP Match
  • Vacation & Personal Days
  • Hybrid working environment
  • Health & Wellness Allowance

Are you the Right Candidate?
  • Demonstrated ability to assess risk in a fluctuating real estate market.
  • Building productive relationships with mortgage brokers, internal mortgage agents and related business partners.
  • Strong attention to detail.
  • Demonstrates the ability to make decisions that consider all implications and proactive management of risk.
  • Demonstration of solid negotiation and problem-solving skills.
  • Excellent interpersonal and negotiation skills.
  • Ability to adapt to changing volumes.
  • Understand the needs that drive a commissioned sale force.
  • An ability to handle pressure caused by high volumes and tight turnaround times.
  • A very strong customer focus is required with an ability to ensure the customer experience is a positive one.
  • An ability to make quick accurate decisions.
  • Managing work volumes to meet short timelines with a high level of quality.
  • Evaluating real estate and associated risks in a volatile market.
  • Handling difficult interactions and unpopular decisions.
  • Building relationships with mortgage brokers and related business partners.
  • Keeping up to date with evolving policies and procedures.
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