Mortgage Risk Specialist

3 weeks ago

Toronto, Canada Strive Capital Corporation Full time

**Company description**

Strive was founded in 2020 and has since grown to a team of 80+ industry leaders with many years of experience. We are located in the heart of Toronto, at 110 Yonge Street, Suite 1704. At Strive, our entire team exhibits excellent accountability, collaboration, and clear communication, and takes a hands-on approach of support and respect at every level of the organization. At the same time, we empower all our employees by providing an environment, resources, and tools to solve problems, be challenged, and ultimately grow their careers.

For our customers, we aspire to always exceed their expectations - this is infused in our mission to provide " A Better Lending Experience”.

To learn more about Strive, please visit our website or LinkedIn.

**Job description**

Strive is a CMHC approved Canadian residential mortgage lender obsessed with customer satisfaction. Our mission is simple: to offer industry leading products and services to Canadian mortgage brokers and their clients with a focus on relationship building and best in market tech.

In 2023, we launched our Aspire brand, an alternative mortgage program for customers who may have challenges qualifying under traditional prime lending guidelines.

To succeed at Strive, you must embrace the fact that Strive is a start-up, has a very entrepreneurial culture and mindset and is committed to building a team-focused organization with bold goals and objectives to grow our company and reward staff excellence.

**About the role**:
This role is perfect for someone who is seeking to join a team of driven and entrepreneurial professionals in the mortgage industry, wants to work closely with senior management and build on their skill set.

If you have a strong desire to learn, grow, and contribute to Strive’s goal of providing a better lending experience, we invite you to apply

**This is a hybrid position, based anywhere in GTA, Ontario.**

**Your day to day will include**:

- Ensure pre and post-advance reviews are conducted regularly as required in an efficient and objective manner. Focus will be on identifying and assessing risk as it pertains to Credit, Compliance, Fraud Prevention and Detection and AML.
- Provide guidance, recommendation and reporting to Management, Underwriting staff and related stakeholders on credit issues, findings, and trends.
- Assist in preparing, reviewing, and analyzing external audit files.
- When required, review serious delinquent accounts, and provide a summary of findings.
- Provide ongoing feedback on relevant policies and processes, particularly as it relates to clarifying underwriting practices and procedures.
- Assist in the preparation of internal presentations related to Quality Assurance initiatives and monthly reporting on QA results including analysis, loan characteristics and trends.
- Assist with other responsibilities and special projects, as assigned.
- Ensure you complete training and comply with confidentiality and regulatory requirements
- Act at all times in accordance with Strive’s risk appetite as defined by the RMUP
- Maintain employee, customer and partner confidentiality as described by Strive’s Employee Handbook

**You will bring**:

- Previous Quality Assurance and regulatory experience in the Mortgage lending industry
- Minimum 5 years Mortgage Lending Adjudication experience.
- Comprehensive knowledge of mortgage operations, and credit policies, including credit principles, practices, processes, products, and services.
- Ability to organize, manage workflow deadlines in an environment with high volumes with tight turnaround times.
- Well-developed communication and interactive skills, verbal and written, sufficient to provide clear and detailed explanation and interpretation of information, analysis, and recommendations.
- Self-driven, and motivated with the ability to work independently and as a member of a team in a highly entrepreneurial start-up environment.
- Proficient in Word, and Excel skills and knowledge of PC software tools in a Windows environment.

**What we offer**:
At Strive, we offer competitive pay and perks, that include, but are not limited to:

- Competitive base salary and discretionary incentive pay
- Vacation, Paid time off, and holidays
- Competitive benefits package that starts immediately
- A fun and welcoming learning environment to help you grow
- Working 1-1 with senior management and industry leaders
- Training and development catered to your career development needs

**Job Types**: Full-time, Permanent

**Benefits**:

- Extended health care
- Paid time off

Schedule:

- 8 hour shift
- Day shift
- Monday to Friday

Supplemental pay types:

- Bonus pay

Application question(s):

- What is your expected salary range for this position?
- When are you available to start?
- Are you able to commute to the office in Toronto on a hybrid basis?

Work Location: Hybrid remote in Toronto, ON M5H 1T4

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