Residential Mortgage Officer, Bilingual
5 days ago
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 Residential Mortgage Officer is responsible for maintaining and updating mortgage files from the commitment approval stage to the time the loan is funded. This mainly includes the reviewing of files, correspondence with mortgage brokers to request outstanding documents and the adjudication of documents as per FINTRAC, internal AML/ATF guidelines and EQB policies and procedures. The Residential Mortgage Officer also plays an integral role in the mitigation of fraud within the Single Family Residential Department.
Ce poste est une partie essentielle de notre équipe Prêts hypothécaires résidentiels traditionnels. Vous serez responsable de la tenue et de la mise à jour des dossiers hypothécaires de l'étape où l'engagement est émis jusqu'au moment où l'avocat ou le notaire reçoit ses instructions.
The Work Le Travail
- On a daily basis, the incumbent will obtain and review required documentation with a strong emphasis on anti-money laundering (AML) and anti-terrorist financing (ATF) requirements, including but not limited to, income, down payment verification and client interviews. The incumbent will ensure that documentation adheres to corporate guidelines and will mitigate any concerns surrounding suspected misrepresentation when required. (35%)
- On a daily basis, the incumbent will strive to ensure that mortgage files are in compliance with the Company's established lending policies and procedures as well as ensuring that legal, AML and ATF requirements have been satisfied. (35%)
- On a daily basis, the incumbent is responsible for time management of their deal flow in order to meet prescribed deadlines. Day-to-day the incumbent will make diligent use of reports to track and manage the flow of all deals funding for their team. (15%)
- On a daily basis, the incumbent will communicate with internal contacts (underwriters, managers, administrators and mortgage sales staff) and external contacts (mortgage brokers and clients) to ensure transactions are processed in a timely and efficient manner in order to meet tight deadlines. The incumbent will provide the highest level of internal and external customer service while fielding mortgage broker and client inquiries. (10%)
- On a daily basis, the incumbent will monitor changes to deals and update files as required. The incumbent must send correspondence to the appropriate parties apprising them of changes. The incumbent must also ensure that Quality Assurance requirements and Compliance review queries are dealt with in a timely and accurate manner. (5%)
- Obtenir la documentation requise et en vérifier l'exactitude et la légitimité en mettant fortement l'accent sur les exigences relatives à la lutte contre le blanchiment d'argent et le financement des activités terroristes.
- Veiller à ce que les dossiers hypothécaires soient conformes aux politiques et procédures de prêt établies par la Société et les assureurs de prêts hypothécaires, et veiller à ce que les exigences juridiques et de lutte contre le blanchiment d'argent et le financement des activités terroristes soient respectées.
- Gérer votre flux d'affaires afin de respecter les délais prescrits et faire un usage diligent des rapports pour suivre et gérer le flux de toutes les opérations de financement pour votre équipe.
- Communiquer avec des contacts internes (souscripteurs, gestionnaires, administrateurs et personnel de vente de prêts hypothécaires) et externes (courtiers hypothécaires, clients et assureurs de prêts hypothécaires) afin de s'assurer que les transactions sont traitées en temps opportun et efficacement dans le but de respecter les niveaux de service convenus tout en offrant un service à la clientèle de qualité supérieure.
- Surveiller les changements apportés aux opérations et mettre à jour les dossiers au besoin, communiquer avec les parties concernées pour les informer des changements et s'assurer que les exigences relatives à l'assurance de la qualité et les demandes d'examen de la conformité sont traitées en temps opportun et avec exactitude.
- Aider les autres membres de l'équipe afin de s'assurer que l'équipe respecte les niveaux de service convenus.
Let's Talk About You Parlons de Vous
- Completion of a post-secondary degree preferably in a financial field
- 1-2 years' mortgage experience in the alternative mortgage market
- Sound thinker with the ability to multi-task; ability to handle multiple competing priorities
- Excellent attention to detail
- Ability to grasp AML & ATF practices
- Established and meticulous organizational skills
- Excellent time management, analytical and problem solving skills
- Ability to make complex 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
- Committed to providing superb customer service
- Proficiency in MS Office (mainly MS Word and Excel)
- Detailed knowledge of mortgage funding and quality assurance processes
- Ability to comprehend and assess documentation relating to mortgage down payment and borrower income confirmation
- Mindful awareness of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation when 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
- Capacité de suivre les pratiques de lutte contre le blanchiment d'argent et le financement des activités terroristes
- Connaissance de base des programmes et des exigences de prêt des assureurs de prêts hypothécaires
- Excellentes compétences en gestion du temps et capacité de travailler sous pression
- Solides compétences en communication écrite et orale
- Capacité d'établir des relations à tous les niveaux
- Fierté à offrir un excellent service à la clientèle
- Au moins un an d'expérience dans le domaine des prêts hypothécaires, de préférence sur le marché des prêts hypothécaires traditionnels
- Maîtrise de Microsoft Office (Word et Excel)
- Diplôme d'études postsecondaires, de préférence dans un domaine financier
- Connaissance approfondie du financement hypothécaire et du processus d'assurance de la qualité, un atout certain
- 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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