Residential Underwriter

5 months ago


Montréal, Canada Home Trust Company Full time

Company Profile

Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 850 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of our core residential and commercial mortgage lending business, the Company and its affiliates also offer complementary lending services and competitive deposit investment products. Our culture has been shaped by the passion and integrity of our people. Home Trust is a private company.

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 Trust Company must comply with all applicable 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).



  • Montréal, Canada First National Financial Full time

    Working together to be our best! First National is Canada’s largest non-bank lender, originating and servicing both commercial and residential mortgages since 1988. Over the past thirty years, we have been committed to hiring the best and brightest with over 1,000 proud team members. Through cooperation, ongoing coaching, development opportunities and a...


  • Montréal, Canada First National Financial Full time

    Working together to be our best! First National is Canada’s largest non-bank lender, originating and servicing both commercial and residential mortgages since 1988. Over the past thirty years, we have been committed to hiring the best and brightest with over 1,000 proud team members. Through cooperation, ongoing coaching, development opportunities and a...


  • Montréal, Canada CMHC Full time

    **Job Requisition ID**: 9995 **Position Status**: Temporary Full Time **Position Type**:Hybrid **Office Location**:Montreal (QC); Calgary (AB); Halifax (NS); Ottawa (ON); Toronto (ON); Vancouver (BC) **Travel Requirement**: Travel not required **Language Designation**: Bilingual **Language Skill Levels (Read/Write/Speak)**: BBC **Salary**: Our...


  • Montréal, Canada CMHC Full time

    **Job Requisition ID**: 9994 **Position Status**: Temporary Full Time **Position Type**:Hybrid **Office Location**:Montreal (QC); Calgary (AB); Halifax (NS); Ottawa (ON); Toronto (ON); Vancouver (BC) **Travel Requirement**: Travel not required **Language Designation**: Bilingual **Language Skill Levels (Read/Write/Speak)**: CBC **Salary**: Our...


  • Montréal, Canada CMLS Financial Full time

    **Underwriter, Residential Mortgages** **Montreal, QC** **Salary Range**:$65,000 - $75,000/yr **This Role is For You If**: - You have demonstrated sound credit judgement with knowledge of legislation regarding risk related mortgage laws - You possess a strong customer service focus with the ability to cultivate positive relationships with internal and...

  • Mortgage Underwriter

    5 months ago


    Montréal, Canada Infotek Consulting Services Full time

    Profound knowledge in mortgage products, industry terminology and financial statements - Strong understanding of mortgage loan underwriting principles, guidelines, and regulatory requirements. - Progressive underwriting experience in personal lending (ideally residential mortgages) at a Canadian financial institution **Job Type**: Fixed term...

  • Mortgage Underwriter

    1 month ago


    Montréal, QC, Canada First National Financial Full time

    First National is proud to be an equal opportunity employer and is committed to diversity and inclusion regardless of race, color, religion, national origin, age, gender identity, physical or mental disability, sexual orientation or any other category protected by law. We are hiring a Mortgage Underwriter, Third Party Residential Underwriting! **Reporting...


  • Montréal, QC, Canada First National Financial Full time

    First National is proud to be an equal opportunity employer and is committed to diversity and inclusion regardless of race, color, religion, national origin, age, gender identity, physical or mental disability, sexual orientation and any other category protected by law. We are hiring an Associate Mortgage Underwriter! **Reporting To**: Manager, Third Party...


  • Montréal, Canada First National Financial Full time

    Working together to be our best! First National is Canada’s largest non-bank lender, originating and servicing both commercial and residential mortgages since 1988. Over the past thirty years, we have been committed to hiring the best and brightest with over 1,000 proud team members. Through cooperation, ongoing coaching, development opportunities and a...


  • Montréal, QC, Canada First National Financial Full time

    First National is proud to be an equal opportunity employer and is committed to diversity and inclusion regardless of race, color, religion, national origin, age, gender identity, physical or mental disability, sexual orientation and any other category protected by law. We are hiring a Mortgage Funder, Third Party Residential Underwriting! **Reporting To**:...

  • Analyst Underwriting

    5 months ago


    Montréal, Canada CIBC Full time

    We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are...


  • Montréal, Canada Underwriting Solutions Full time

    **Company Description** We help the world see new possibilities and inspire change for better tomorrows. Our analytic solutions bridge content, data, and analytics to help business, people, and society become stronger, more resilient, and sustainable. The Loss Control Specialists review various properties on behalf of insurance companies and provide loss...


  • Montréal, Canada CMLS Financial Full time

    **Document Specialist, Residential Mortgages** **Montreal, QC** **Salary Range**:$50,000 - $65,000/yr **About the role**: - Establish and maintain positive relationships with broker partners - Interact with mortgage brokers for the collection of all required documents to satisfy all broker conditions - Review and verify accuracy of required...


  • Montréal, Canada CMLS Financial Full time

    **Document Specialist, Residential Mortgages** **Montreal, QC** **About the role**: - Establish and maintain positive relationships with broker partners - Interact with mortgage brokers for the collection of all required documents to satisfy all broker conditions - Review and verify accuracy of required documentation, including, but not limited to;...


  • Montréal, QC, Canada First National Financial Full time

    First National is proud to be an equal opportunity employer and is committed to diversity and inclusion regardless of race, color, religion, national origin, age, gender identity, physical or mental disability, sexual orientation or any other category protected by law. We are hiring a Bilingual Specialist II, Quality Assurance! **Reporting To**: Manager,...


  • Montréal, Canada CMLS Financial Full time

    **Account Manager, Construction Finance (RCFi)** **Montreal, QC** CMLS Financial is looking for a Construction Finance Account Manager to join our RCFi (CMHC’s Rental Construction Finance initiative) team in Montreal. Under this mandate, CMLS provides project specific underwriting, structuring, loan recommendations, and loan advance administration for a...


  • Montréal, Canada CMLS Financial Full time

    **Account Manager, Construction Finance (ACLP)**: **Montreal, QC** **Salary Range**: $95,000 - $120,000/year CMLS Financial is looking for a Construction Finance Account Manager to join our ACLP (CMHC’s Apartment Construction Loan Program) team in our Montreal office. Under this mandate, CMLS provides project specific underwriting, structuring, loan...

  • Home Financing Advisor

    5 months ago


    Montréal, Canada Scotiabank Full time

    Requisition ID: 192141 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. **Job Purpose**: As a Home Financing Advisor (HFA) you will be responsible for maximizing the development of residential mortgage business from third party referral sources such as real estate agents, lawyers, financial planners,...

  • Home Financing Advisor

    5 months ago


    Montréal, Canada Scotiabank Full time

    Requisition ID: 192141 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. **Job Purpose**: As a Home Financing Advisor (HFA) you will be responsible for maximizing the development of residential mortgage business from third party referral sources such as real estate agents, lawyers, financial planners,...


  • Montréal, Canada CIBC Full time

    We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are...