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Senior Mortgage Underwriter

3 months ago

Calgary Alberta DJ, CA RFA Canada 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.
  • 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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