Mortgage Retention Specialist

5 months ago

Mississauga, Canada Questrade Financial Group Full time

Questrade Financial Group (QFG) of Companies is committed to helping our customers become much more financially successful and secure.

We are everything a traditional financial institution is not. At QFG, you will be constantly moving forward, bringing the future of fintech into existence. You will be a part of a collaborative team that cares deeply about our mission and each other. Your team members will help you conquer challenges, push boundaries and discover what you are truly capable of.

This is a place where you can explore, discover and learn with continuous growth. As a diverse and inclusive place to work, there are flexible working arrangements so you can unleash your creativity and curiosity with no limits. If you share the same sense of infinite possibility, come shape your future at Questrade.

What’s in it for you as an employee of Community Trust Company?
- Health & wellbeing resources and programs
- Paid vacation, personal, and sick days for work-life balance
- Competitive compensation and benefits packages
- Hybrid and flexible work arrangements
- Career growth and development opportunities
- Opportunities to contribute to community causes
- Work with diverse team members in an inclusive and collaborative environment

What’s it like working as a Mortgage Retention Specialist at Community Trust Company?
Reporting to the Manager, Mortgage Retention, the Mortgage Retention Specialist is responsible for managing and completing all aspects of residential mortgage retention and reducing payouts for Ontario and Western Canada. This role is responsible for maximizing revenue opportunities and successfully contributing to the overall retention targets in an environment focused on operational and service excellence.

Need more details? Keep reading...

**In this role, you will**:

- Be responsible for maintaining key relationships and providing best in class service to all internal and external customers, 3rd parties, brokers, solicitors, investors and partners.
- Be responsible for assisting with the completion of residential mortgage retention activities negotiating interest rates with borrowers, maximizing revenue opportunities and successfully contributing to the overall retention targets.
- Contact customers in response to payout requests in an attempt to retain the mortgage.
- Conduct regular follow-ups with mortgage customers to collect outstanding documentation needed to satisfy the requirements as stipulated in the commitment.
- Issue mortgage commitments for direct customer loans with appropriate conditions and follow up for sign back.
- Instruct files to FCT and work together with Residential Funding to ensure timely closings.
- Be responsible for responding to inquiries in a timely manner, actively contacting existing customers, to build relationships, promote longer terms and identify cross selling opportunities.
- Maintain up to date knowledge of competitors and market conditions.
- Identify and recommend process improvement initiatives and opportunities.
- Be responsible for testing and assessing new enhancements.
- Prepare timely reports for review.
- Ensure accurate record keeping - both electronic and paper based and ensure that all records are stored and retained to meet Company standards.
- Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
- Proactively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
- Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

So are YOU our next Mortgage Retention Specialist? You are if you
- Have minimum of 2 years’ experience in customer service within the mortgage industry.
- Have Post-Secondary Education.
- Demonstrate strong, sound negotiation and sales skills.
- Demonstrate interpersonal and relationship building skills.
- Demonstrate effective organizational and time management skills.
- Have solid written and verbal business communication skills.
- Have working knowledge of Google Workspace.
- Have sound analytical thinking, planning, prioritization, and execution skills.
- Are detail oriented with an acute attention to accuracy.
- Are capable of handling multiple tasks and meeting stringent deadlines.
- Are tactful, diplomatic and politely persistent.
- Are results oriented.
- Are self-motivated, confident and capable of working both independently and in a team environment.
- Bring a positive, can-do attitude to our organization, using creative solutions to solve problems.
- Establish and build on healthy working relationships with your team and peers.
- Work well in a dynamic and fast paced environment with the ability to navigat

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