Bilingual Default Specialist

1 month ago

Ottawa Ontario HB, Montréal, Canada Accoravillage Full time

Wednesday, July 24, 2024

WHO WE ARE

HomeEquity Bank is a Schedule 1 Canadian chartered bank and the leading national provider of reverse mortgages, with a growing portfolio. As the only bank solely dedicated to serving homeowners 55 and up, we’re passionate about helping Canadian homeowners live retirement on their terms. We live that commitment every day, with a range of reverse mortgage solutions that include our flagship CHIP Reverse Mortgage product.

Our Values, Our Passion

At HomeEquity Bank, our values drive and inspire our actions with our customers, our partners and each other.

Courage to Act. Do the Right Thing

One Team. One Vision

Think Long-Term. Ever-Evolving

POSITION SUMMARY:

Reporting to the Manager, Portfolio and Default Management, the Bilingual Default Specialist is responsible for managing the Default Portfolio to ensure that the portfolio is maintained, and all aspects of collection and legal processes are completed timely and efficiently. The Default Specialist is part of the Bank’s Mortgage Operations department and it is critical to have a collaborative relationship with the Bank’s other departments. The Bilingual Specialist must lead by example and ensure healthy, effective relationships are fostered. This role is also responsible for documenting, implementing and assessing controls and processes to ensure full compliance with applicable regulatory requirements and the Bank’s policies, including Privacy, AML, Complaint Handling and Compliance.

MAJOR ELEMENTS OF THE ROLE:

The Bilingual Default Specialist is responsible for handling all administration and processing aspects of the Bank’s Default portfolio including collections, all legal matters including appraisals, title searches and real estate agents and provincial lawyers.

The position plays an important role within the Bank because it requires an understanding of collections and all provincial legal requirements, credit, mortgage terms, risk management, internal controls and regulatory compliance.

Specific elements of the job include:

  • Ensure that all mortgages in default are processed and managed in an efficient and timely manner within the parameters of the Bank’s regulatory requirements and defined policies
  • Play a key role in default management
  • Play a key role in risk management as it relates to securing valid enforceable security on every mortgage and ensuring full adherence to the Bank’s policies and procedures and regulatory requirements
  • Provide regular input, counsel and direction to the team
  • Make prompt decisions on mortgage file matters requiring approval as appropriate and permitted
  • Measure and report regularly on processing efficiency, including files requiring exceptions to the Bank’s standard processes and/or practices
  • Be a critical contributor to the Bank’s operational efficiencies by identifying and proposing effective solutions to maximize process efficiency
  • Implement on a timely basis, solutions to address internal control gaps

SKILLS AND EXPERIENCE REQUIRED:

  • University Degree or College Diploma
  • 1+ years’ experience in mortgage processing and administration
  • Experience working at a Canadian financial institution is an asset
  • Knowledge and experience in default management which encompasses collections and legal action
  • Experience and involvement with internal audit and OSFI reviews
  • Ability to take initiative
  • Ability to work independently and know when to make decisions and when to seek input from others
  • Effectively manage multiple activities while under time constraints
  • Ability to establish healthy working relations and partnerships
  • Demonstrated planning abilities excellent written and verbal communicator
  • Ability to speak French is required
  • Hybrid working environment

WHY WORK AT HOMEEQUITY BANK?

HomeEquity Bank offers a hybrid working environment supported with a culture of flexibility – an approach that is unique to each person, and that enables both business and individual needs to be met in a mutually beneficial way.

We pride ourselves in recognizing and celebrating performance, community service, teamwork, and diversity among our employees.

A Dynamic Culture – With People at the Centre

We believe our people make all the difference; our tireless commitment to inclusivity, professional development, and employee experience has been recognized through awards including the Greater Toronto’s Top Employers 2024, Waterstone Canada's Most Admired Corporate Cultures 2022-2023, the Globe and Mail's Report on Business: Canada's Top Growing Companies 2022 (third year since 2019), Canadian's Mortgage Professional (CMP) Top Mortgage Employer 2023 for the third year in a row and Achievers Top 50 Most Engaged Workplaces 2023.

Growth and Opportunities
We provide challenging and rewarding careers in a wide variety of fields. We continuously develop and train our employees through professional growth opportunities and on-the-job training. We also encourage our employees to develop professionally and personally though a series of career developing programs including our Educational Assistance Program, designed to reimburse costs related to professional learning and development.

Celebrating Great Work and People

We believe in an environment that celebrates success, knowledge, leadership, and work that is inspired by our core values. For these reasons, we have created several programs that make it easy for our employees to say ‘great job’ to their colleagues and leaders.

From our Appreciate Program to the High Five Award Program and President’s Award Program, we recognize professional achievement with a variety of rewards including points towards gift cards, merchandise, and travel experiences, as well as group RRSP/DPSP contributions and more.


Our Community Leadership Program recognizes employees who make a positive impact in their communities through volunteer work with a grant for their charity of choice. Additionally, we provide employees with one paid day off each year to volunteer at their favourite local charity.

The Perks

HomeEquity Bank offers a competitive total rewards package that includes:

  • Extended health and dental benefits
  • Employee & Family Assistance Program
  • Employer-Matched Group Retirement Savings Plan
  • Employee Share Investment Plan
  • Well-being initiatives including: a wellness account; virtual self-care programs and extended mental health benefits
  • Employee corporate discount for GoodLife Fitness

Stay in the Know

Find out what we’re up to online, and learn more about what makes HomeEquity Bank a great place to work:

  • 200 Bay St., Toronto, ON M5J 2J1, Canada
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