Tarificateur / Tarificatrice Principal de Prêts Hypothécaires, Tarification Complète

Tarificateur/ Tarificatrice Principal de Prêts Hypothécaires, Tarification Complète

*English Posting Below*

MCAPen un coup d’œil

En vous joignant à MCAP, vous ferez partie de nos effectifs diversifiéscomposés de personnes hautement talentueuses qui sont reconnues pour leurexpertise et leurs succès À MCAP, votre expertise professionnelle, votreengagement envers le travail d’équipe et votre passion pour l’excellence duservice sont reconnus et récompensés au moyen d’une rémunération totaleconcurrentielle, d’une carrière qui favorise l’apprentissage continu et leperfectionnement (formation officielle et non officielle) et des occasionspassionnantes dans un milieu entrepreneurial dynamique.

Lerôle

Il incombeau titulaire de ce poste de contribuer à l’équipe de souscription de MERIX.

Les responsabilités propres à ce poste comprennent notamment ce qui suit:

- Vérifier/valider tous les renseignements exigés sur la clientèle/les hypothèques dans le cadre d’un environnement «à service complet»

- Fournir des décisions exactes et en temps voulu en matière de crédit aux émetteurs d’hypothèques

- Rassembler et documenter les rapports nécessaires sur les demandeurs de prêts hypothécaires, par exemple les antécédents en matière de crédit et le revenu

- Négocier, structurer et évaluer les demandes de prêts hypothécaires selon l’étendue définie des pouvoirs en matière d’approbation

- Préparer des recommandations à l’égard des prêts hypothécaires résidentiels qui excèdent la limited’approbation définie et présenter des soumissions au membre de l’équipe approprié

- Veiller à la sensibilisation et à la conformité à tous les aspects du programme d’assurance de la qualité

- Demeurer au fait de toutes les lignes directrices applicables en matière de souscription.

Votre contribution à l’équipe

- Au moins 2 à 3 ans d’expérience dans l’exécution de toutes les procédures de tarification conformément aux lois et aux règlements établis

- Un minimum de 2 à 3 ans d’expérience en souscription de prêts hypothécaires

- L’expérience directe du système est considérée comme un atout

- Attitude axée sur le service à la clientèle

- Flexible et adaptable; capable de faire du multitâche sous pression

- Excellentes compétences analytiques et aptitudes à communiquer

- Capacité démontrée de respecter les échéances

- Excellent jugement et être apte à prendre des décisions de manière autonome

- Diplôme universitaire ou collégial dans un domaine connexe souhaitable

Bilingualism in French and English is required for this position to interact, support and/or provide services to French and non-French speaking customers, employees and/or partners inside and/or outside the province of Quebec.

Si vousvous reconnaissez dans ce qui précède et que souhaitez faire partie de l’unedes plus vastes sociétés de financement hypothécaire du Canada, faites-noussign

Faitespartie de quelque chose de grand

MCAP est l’une des plus importantes sociétés indépendantes de financementhypothécaire du Canada, avec des actifs sous gestion de plus de150milliards de dollars. Elle propose des solutions en matière d’hypothèques résidentielles et commerciales. Depuis plus de 35ans, MCAP consent, négocie, titrise des prêts hypothécaires et en assure le service dans ses bureaux partout au Canada. De plus, MCAP octroie des prêts hypothécairesrésidentiels exclusivement par l’entremise du canal de courtage hypothécaire, carnous sommes d’avis que le professionnalisme d’un courtier ou d’une courtière enhypothèques est la meilleure option dont dispose le consommateur et MCAP faitactivement la promotion à la grandeur du pays des services offerts par lescourtiers hypothécaires. MCAP est également chef de file sur le marché canadiendes prêts à la construction résidentielle et est active à ce chapitre depuisplus de 25ans. Nos équipes de professionnels dévoués servent diversclients à l’échelle du Canada, tels que des promoteurs, des constructeurs etdes prêteurs.

Sr. Underwriter, Full Case

MCAP at a Glance

JoiningMCAP means you will be a part of our diverse workforce of highly talented individuals who are recognized for their expertise and success At MCAP, your professional expertise, commitment to teamwork and passion for serviceexcellence are recognized and rewarded with competitive total rewards offering, a career with continuous learning and development (formal & informal training), and exciting opportunities in a dynamic, entrepreneurial environment.

The Role

This position is responsible for underwriting, processing and approving mortgage applications from a variety of sources including Broker, Direct and Third party from all MCAP brands. This role is accountable for full case management of a file and for building solid relationships with referral sources, to ensure volume, asset quality and profitability targets are met.

Reviewing Applications

- Verify information on application and with the Credit Bureau to ensure accuracy.

- Verify information to make sure it meets company guidelines and external lender guidelines/insurer (CMHC, CG & Genworth).

- Contact the broker/client for additional information or clarification in order to decision the deal effectively.

Credit Adjudication

- Adjudicate information presented and address any discrepancies or inconsistencies.

- Verify data viewed to ensure it meets company guidelines.

- Document the deal and write up rationale to support recommendation for approval.

- Condition the deal in accordance with the recommendation for approval.

- Delivers quick and creative mortgage solutions in order to structure files in order to meet company guidelines.

Service Clients

- Respond to questions or concerns from all clients with the intent to build/maintain relationships

- Provide all clients with mortgage options to assist in making an informed decision.

- Maintain an 8 hour turnaround time on applications

- Respond to questions and concerns received from clients via email, fax or portal discussion within 4 hours of receipt to ensure timely and accurate completion of each mortgage transaction.

- Maintain a 24-hour turnaround time for documentation review including the timely and accurate update of all systems.

Communication with Brokers/Clients

- Negotiate applications or marginal deals

- Build the business with the broker/client in order to increase the portfolio and closing percentages

Documentation Verification

- Review all documentation pertaining to adjudication and approval of loan

- Mitigate potential risks identified on documentation

- Clear all conditions and associated system tasks.

Mentor Staff

- Review and educate Document Specialist on the different types fulfillment documentation

- Communicate to manager or corporate program any knowledge or suggestions to aid in the continuous improvement of the business

Check for Understanding

- Maintain acceptable audit results as established annually as part of the Objective setting

Bilingualism in French and English is required for this position to interact, support and/or provide services to French and non-French speaking customers, employees and/or partners inside and/or outside the province of Quebec.

What You Bring To The Team

- 3-5 years underwriting and documentation experience

- Knowledge of Real estate and covenant assessments, legislation and land title systems in all provinces preferred

- Knowledge of Legislation (e.g. Mortgage Act) regarding risk related mortgage law preferred

- Proficient in Outlook, Word, and Excel

- Ability to negotiate effectively with intermediaries

- Ability to understand financial statements and assess financial viability

- Exceptional oral and written communication skills

- Excellent organizational and time-management skills

- Ability to multi-task in a fast-paced environment

- Strong analytical and problem-solving skills

- Proven ability to foster relationships

- Strong customer service skills.

- Self-driven, motivated with the ability to work independently and in a team environment

- Carries out duties with integrity and takes responsibility for actions.
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- University Degree/College Diploma, preferable

- Accredited Mortgage Professional (AMP)

- Completion of Mortgage Agent course to satisfy provincial regulatory requirements

- Completion of internal audit’s credit adjudication process

- Bilingual French and English is a must have

If this sounds like you and you are looking to be a part of one of Canada’s largest independent mortgage finance companies, then we want to hear from you

Be A Part Of Something Great

MCAPis Canada’s largest independent MortgageFinance company withover $150 billion in assets under management providing mortgage solutions forresidential and commercial properties. For over 35 years,MCAP originates, trades, securitizes and services mortgages in offices acrossCanada. MCAP originates residential mortgages exclusively through the mortgagebroker channel as we believe that a professional mortgage broker is a consumer's best option and MCAP actively promotes the services of mortgagebrokers across the country. MCAP is also a leader in the Canadian residentialconstruction lending market with over 25 years in the business. Our teams ofdedicated professionals serve a variety of developer, construction and lenderclients across Canada.

Position #: req2110

Employment Status: Permanent Full Time

Location: Montreal; Quebec

Number Of Openings: 2

Department: Residential

Internal Job Title: Sr. Underwriter Full Case

The above information in this description has been designed to indicate the general nature and level of work performed by employees in the position. It is not designated to contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

MCAP provides equal opportunities for all applicants and is committed to fostering an inclusive, accessible environment, where all employees feel valued, respected and supported throughout the recruitment and employment process. If you require accommodation, we will work with you to meet your needs.

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