Mortgage Renewal Specialist
1 month ago
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.
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
Retention of Portfolio (50%)
Proactively contact all Mortgage Renewal clients in an effort to secure renewal/early renewal
Achieve all specified departmental and individual performance goals and objectives regarding various renewal types
Negotiate renewal mortgage rates within own discretion to achieve specified rate spread for HTC
Maintain accurate and detailed notes to ensure clarity between borrower & HTC
Know your Client/Referrals/Spread (30%)
Review renewal files 30-90 days prior to maturity
Proactively develop, strengthen and maintain relationship with borrower
Review credit reports and beacon scores for each file to verify we are offering correct rate
Effectively identify sales potential, by way of refinancing current mortgage balance, and/or consolidating current secondary financing, or outstanding debts
Challenge/negotiate rates without compromising service and profitability
Must know all HTC products to recommend feasible solutions to satisfy client needs
Remain current and informed on our competition to retain the business
Offer Life Insurance for each renewal
Identify possible workout solutions in case of job loss/ illness
Manage rate spread as specified
Maintain current client information as applicable e.g. telephone numbers, employment details
Risk and Compliance (20%)
Evaluate and analyse documentation supplied by client and broker (e.g. BP set up, FN8X accurate and complete) 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
Previous sales experience an asset (Senior min 5 years)
Current knowledge of regulations regarding mortgage lending and familiarity with both conventional and government mortgage policies an asset
**Skills**:Problem solving - exceptional
Results-focused/driven
Time management, highly organized
Strategic/forward thinking
Multi-tasking in fast paced, deadline driven environment
Sales/business development
Negotiating, influencing
Interpersonal relationship building
Motivating/inspiring others
Communication (verbal) - excellent
Professional maturity
- exceptional
Mortgage Reporting
Loan origination software
MS Office Suite - proficient
Position Complexities
Bilingualism an asset
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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