Mortgage Officer

4 weeks ago

Old Toronto, Canada Home Capital Group Full time
Career Opportunities: Mortgage Officer (Regular and Bilingual) (14925)

Requisition ID 14925 - Posted - Full Time - Residential Underwriting - Toronto

Home Trust is Canada’s leading alternative mortgage lender, employing nearly 1,000 people in our Toronto headquarters and branches across the country. Our vision is to be Canada’s market leader in alternative-based financial services solutions. Building on the strength of our core residential mortgage lending business, the Company and its affiliates also offer complementary lending services and competitive deposit investment products through Oaken Financial, PsiGate, and CFF Bank. Our culture has been shaped by the passion and integrity of our people, and we are guided by our mission and belief that every Canadian deserves a home and the opportunity to prosper. Home Trust is a wholly-owned subsidiary of Home Capital Group, which trades on the TSX under the symbol HCG.

The Residential Lending business unit works directly with brokers and borrowers to offer a variety of solutions while providing outstanding service to our clients. As a key segment of Home Trust’s business, our focus will remain on core residential products as we position ourselves for continued success. We drive business volumes consistent with our risk appetite, adhering to the Company’s legislative and regulatory requirements, and supporting key business objectives to enhance employee engagement and capability while fostering a culture of respect, trust and integrity.

Position Responsibilities

File Quality Management (60%)

  • Review mortgage files and ensure client documentation meets all Company lending policies and guidelines and is accurate and complete
  • Manage, compile, review and organize mortgage documentation on a timely basis in a high volume and service-oriented environment

Communication (20%)

  • Instruct files to solicitors
  • Conduct daily follow-up with brokers to ensure all required documentation has been submitted
  • Escalate unusual transactions to manager
  • Communicate effectively with all internal and external contacts

Risk and Compliance (20%)

  • Collect and review documentation supplied by client and broker to ensure its authenticity and compliance with all aspects of Home Trust Company’s policies and guidelines per delegated authority matrices and applicable compliance obligations including Underwriting Policies and Lending Guidelines, Privacy, Anti-Money Laundering/ Anti-Terrorist Financing and internal Anti-Fraud Policy requirements
  • File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity
Formal Education
  • Post secondary degree or diploma required (University degree preferred) in related area
  • Certification(s)/Designation(s) preferred
Related Experience
  • 2 years in administrative environment preferably within mortgage industry an asset
Skills
  • Problem solving - exceptional
  • Proactive/ takes initiative/ self starter
  • Time management, highly organized
  • Questioning/ curious/ information gathering
  • Team player
  • Interpersonal relationship building
  • Communication (verbal and written) - excellent
  • Professional maturity- exceptional
  • Mortgage Reporting
  • Loan origination software
Position Complexities
  • Some work beyond standard hours
Acknowledgement

All employees of Home Capital Group Inc. must comply with all applicable Home Capital Group Inc, Home Trust Company, and specific Line of Business policies, standards, guidelines and controls. Additionally, all employees are obligated to become familiar with Home’s risk management framework and understand the operational risk management requirements within their specific business. Employees are also expected to understand and comply with the Company’s Code of Business Conduct & Ethics Policy at all times and escalate any issues or concerns through various reporting channels (i.e. Ombudsman, Compliance Hotline, Whistleblower Policy, etc).

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