Mortgage Underwriter

6 months ago

Toronto, Canada Home Trust Company Full time

Company Profile

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.

Position Responsibilities

Risk and Compliance (40%)

Make prudent credit decisions on complex mortgage files
Adhere to applicable compliance obligations including 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. Maintain consistent, objective and sound risk assessments in a high volume, service-oriented environment

File Management (40%)

Negotiate loan terms to meet interests of the client and Home Trust’s risk tolerance
Prepare and issue conditional mortgage commitments outlining all conditions that must be met to Home Trust’s satisfaction
Issue mortgage commitment according to negotiated and approved terms
Review completeness and quality of file documentation prepared by Originations prior to funding

Communication (20%)

Work effectively with all internal business partners to underwriting quality transactions and provide a high level of service
Remain current on latest developments within industry and market trends to secure competitive advantage
Formal Education
Post secondary degree or diploma required (University degree preferred)
Related Experience
- 3-5 years (5+ years for Senior) with mortgage lending
- Strong understanding of residential mortgage products
- Proficient in adjudicating credit

**Skills**:Communication (verbal and written) - excellent
Time management, highly organized
Multi-tasking in fast paced, deadline driven environment
MS Office - proficient
Position Complexities
Some work beyond standard hours
Bilingualism an asset
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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