Residential Mortgage Underwriter, Bilingual

5 days ago

Montreal, Canada Disability Solutions Full time
Joignez-vous à la Banque Qui Défie

Ãtre une banque traditionnelle n'est tout simplement pas notre genre. Nous croyons fermement à l'innovation dans l'expérience bancaire parce que nous pensons que les Canadiens méritent de meilleures options. Nous nous mettons au défi, ainsi que nos équipes, de transformer de façon créative tout ce que nous pouvons dans le domaine bancaire. Notre équipe est composée d'esprits curieux et agiles qui trouvent des façons plus intelligentes de faire les choses. Si vous n'avez pas peur de relever de grands défis et de redéfinir l'avenir, votre place est avec nous. Vous travaillerez avec des gens qui vous encourageront à atteindre de nouveaux sommets. Nous aimons travailler dans le plaisir, poser des questions et apprendre ensemble.

Nous sommes une grande famille (qui continue de s'agrandir). Acteur du marché depuis plus de 50 ans, nous servons plus de 670 000 personnes dans tout le Canada par l'entremise de la Banque Ãquitable, La Banque Qui Défie du Canada. Concentra Bank, la filiale en propriété exclusive de la Banque Ãquitable, appuie les coopératives de crédit du Canada qui servent plus de 6 millions de membres. Ensemble, nous avons plus de 125 milliards de dollars d'actifs sous gestion et administration combinés, avec un mandat clair de favoriser le changement dans les services bancaires canadiens pour enrichir la vie des gens. Chaque année depuis 2021, nos clients continuent de nommer notre plateforme numérique Banque EQ (eqbank.ca) l'une des meilleures banques au Canada dans le classement Forbes des meilleures banques du monde.

Join a Challenger

Being a traditional bank just isn't our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what's possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you're not afraid of taking on big challenges and redefining the future, you belong with us. You'll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together.

We are a big (and growing) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank™, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021.

The Mortgage Underwriter is responsible for negotiating, recommending, declining, and, in some instances, approving mortgage applications within established guidelines, to be secured by new or existing real estate. This must be done as efficiently as possible while exercising sound lending judgment and without compromising service and profitability.

Le souscripteur hypothécaire est responsable de la négociation, de la recommandation, du refus et, dans certains cas, de l'approbation des demandes de prêt hypothécaire selon les lignes directrices établies. Ces demandes doivent être garanties par des biens immobiliers nouveaux ou existants. Cela doit se faire de la façon la plus efficace possible, tout en faisant preuve d'un bon jugement en matière de prêts et sans compromettre le service et la rentabilité.

The Work Le Travail

    • On a daily basis, review received mortgage applications along with supporting documentation and negotiate terms with the mortgage broker, decline the applications, recommend the applications for approval and in some instances, approve the applications. Ensure that approved deals close as scheduled and as efficiently as possible by following up on outstanding conditions/documents and ensuring compliance with established guidelines. (50%)
    • Follow up with brokers on a daily basis on issued mortgage commitments to ensure the efficient closing of mortgage files. (20%)
    • On a daily basis provide the highest level of internal and external customer service while fielding mortgage broker inquiries and maintaining broker relationships. (20%)
    • On a daily basis, provide underwriting expertise to mortgage brokers, clients and co-workers and maintain an up to date knowledge of company policies, procedures and products. (10%)

    • Examiner quotidiennement les demandes de prêt hypothécaire reçues ainsi que les documents à l'appui et négocier les modalités avec le courtier hypothécaire, refuser les demandes, recommander l'approbation des demandes et, dans certains cas, les approuver. Veiller à ce que les demandes approuvées soient conclues dans les délais prévus et de la façon la plus efficace possible en assurant le suivi des conditions/documents en suspens et en veillant au respect des lignes directrices établies. (50 %)
    • Faire le suivi quotidien sur les engagements hypothécaires auprès des courtiers émis pour assurer la clôture efficace des dossiers hypothécaires. (20 %)
    • Chaque jour, fournir le plus haut niveau de service à la clientèle interne et externe tout en répondant aux demandes des courtiers hypothécaires et en maintenant des relations avec ceux-ci. (20 %)
    • Chaque jour, fournir une expertise en matière de souscription aux courtiers hypothécaires, aux clients et aux collègues et maintenir à jour ses connaissances des politiques, procédures et produits de l'entreprise. (10 %)


Let's Talk About You Parlons De Vous

    • Sound thinker with the ability to multi-task
    • Excellent attention to detail
    • Sound knowledge of AML & ATF practices
    • Established and meticulous organizational skills
    • Excellent time management, analytical and problem solving skills
    • Ability to make decisions under pressure
    • Proven ability to thrive in a constantly changing environment and to perform well in a high volume, high intensity environment
    • Highly developed verbal and written communication skills with the ability to respond in a clear, concise and professional manner
    • Displays pride in providing superb customer service
    • 2+ years' mortgage experience in the alternative mortgage market
    • Proficiency in MS Office (mainly MS Word and Excel)
    • Completion of a post-secondary degree preferably in a financial field
    • Knowledge of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation is required
    • The incumbent will be required to have knowledge of the English language in order to: service English speaking customers all across Canada as part of their job, liaise with English speaking colleagues and managers who are located outside of Quebec to conduct their job, and utilize essential resources for their job in departments which operate exclusively out of Equitable's head office in Toronto.

    • Solide capacité à réfléchir et à mener plusieurs tâches de front
    • Excellent souci du détail
    • Solide connaissance des pratiques en matière de lutte contre le blanchiment d'argent (LBC) et le financement d'activités terroristes (FAT).
    • Compétences organisationnelles établies et axées sur la rigueur
    • Excellentes compétences en matière de gestion du temps, d'analyse et de résolution de problèmes
    • Capacité de prendre des décisions sous pression.
    • Capacité reconnue de réussir dans un environnement en constante évolution et de travailler efficacement dans un environnement à forte intensité et à volume élevé
    • Excellentes aptitudes pour la communication orale et écrite et capacité à répondre de manière claire, concise et professionnelle
    • Fierté à offrir un excellent service à la clientèle
    • Au moins deux ans d'expérience du marché hypothécaire alternatif
    • Maîtrise de Microsoft Office (Word et Excel)
    • Diplôme d'études postsecondaires, de préférence dans un domaine financier
    • Connaissance du risque de fraude dans le secteur hypothécaire et capacité de répondre aux préoccupations relatives aux fausses déclarations présumées
    • Le titulaire du poste devra avoir une connaissance de la langue anglaise lui permettant de servir des clients anglophones partout au Canada dans le cadre de son travail, d'assurer la liaison avec des collègues et des gestionnaires anglophones qui travaillent hors du Québec, et d'utiliser des ressources essentielles pour son travail au sein de services qui exercent leurs activités exclusivement depuis le siège social de la Banque Ãquitable à Toronto.


Ce que nous offrons [pour les postes permanents à temps plein]

Prime discrétionnaire concurrentielle

Programme de jumelage de REER de premier plan sur le marché

Soins médicaux, dentaires, de la vue, assurances vie et invalidité

Régime d'achat d'actions des employés

Prestations complémentaires pour congé de maternité ou parental pendant que vous prenez soin de votre enfant

Politique de vacances généreuse et jours personnels

Activités virtuelles pour établir des liens avec vos collègues

Allocation annuelle de perfectionnement professionnel et un programme complet de perfectionnement professionnel

Une occasion enrichissante de rejoindre l'une des FinTechs et de contribuer à créer un nouveau type d'expérience bancaire

What we offer [For full-time permanent roles]

Competitive discretionary bonus

Market leading RRSP match program

Medical, dental, vision, life, and disability benefits

Employee Share Purchase Plan

Maternity/Parental top-up while you care for your little one

Generous vacation policy and personal days

Virtual events to connect with your fellow colleagues

Annual professional development allowance and a comprehensive Career Development program

A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience

La Banque Ãquitable est profondément engagée en faveur de l'inclusion. Notre organisation est plus forte et nos employés s'épanouissent lorsque nous honorons et célébrons les expériences et les points de vue diversifiés de chacun. Parallèlement à cet engagement, nous appuyons et encourageons nos employés à s'épanouir non seulement dans leur cheminement de carrière, mais aussi sur le plan personnel.

Nous nous engageons à offrir un processus de recrutement et un milieu de travail sans obstacle à tous les candidats. Veuillez nous faire part de toute mesure d'adaptation nécessaire pour que vous puissiez donner le meilleur de vous-même dans le processus de demande d'emploi et par la suite.

Nous avons hâte de vous connaître

Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone's diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well.

We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position.

We can't wait to get to know you

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