Junior Mortgage Underwriter

3 weeks ago

Ottawa, Ontario, Canada Accoravillage Full time
Junior Mortgage Underwriter - Third Party Residential Underwriting - Accoravillage

Accoravillage is an equal opportunity employer and is dedicated to fostering 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 support requests for accommodation from applicants with disabilities; please reach out to Human Resources if you require assistance during the recruitment process.

We are seeking a Junior Mortgage Underwriter within the Third Party Residential Underwriting division.

Reporting To:

Manager, Third Party Residential Underwriting

Employment Type:

Full-time

What we offer:

A competitive compensation package that includes base salary, bonuses, benefits, and opportunities for career advancement.

The Role

Under the supervision of the Manager, Third Party Residential Underwriting, the Junior Mortgage Underwriter assists in the underwriting and credit evaluation process by meticulously reviewing all necessary documentation and exercising sound judgment. The Junior Mortgage Underwriter is tasked with identifying any discrepancies, issues, or incomplete items that may pose a risk to the organization.

The Third Party Residential Underwriting Division, as part of Accoravillage, provides underwriting expertise and services on behalf of other financial institutions to the mortgage broker sector.

Key Responsibilities:

  • Develop and maintain positive relationships with mortgage brokers to enhance loyalty to the organization.
  • Foster strong connections with external partners such as mortgage insurers, appraisers, title insurance companies, and legal professionals.
  • Collaborate with mortgage brokers to gather all required documents to meet mortgage commitment conditions.
  • Review and confirm the accuracy of required documentation related to income, down payment, and property, ensuring compliance with internal and regulatory standards prior to approving any mortgage conditions or documents.
  • Escalate any documentation concerns to the Underwriter for further review and approval.
  • Maintain clear and comprehensive notes within the mortgage underwriting system.
  • Respond to all inquiries within established timelines.
  • Adhere to policies and procedures to ensure compliance with AML requirements.

Qualifications:

  • Completion of post-secondary education or equivalent work experience is required.
  • Previous experience in the Financial Services sector is preferred.
  • Experience in the Mortgage industry is an asset.
  • Completion of a Mortgage Agent Course and/or FSRA License is advantageous.
  • Proficient in PC software within a Windows environment is required.

Skills Required:

  • Ability to cultivate and sustain positive relationships.
  • Strong communication skills, both written and verbal.
  • Capability to manage conflict effectively.
  • Analytical thinking skills.
  • Excellent organizational and time management abilities.
  • A positive team-oriented attitude.
  • Proficient in basic PC software and familiar with Microsoft Office products.
  • Ability to thrive under pressure in a high-volume processing environment with tight deadlines.

Work Environment:

  • High-volume periods with strict timelines.
  • Extended periods of sitting.
  • Repetitive movements, such as typing and using a mouse.
  • Long durations of viewing a computer screen.
  • Multi-tasking may involve communicating with clients while accessing information on a computer.

The Team You'll Join:

Accoravillage is recognized as a leading non-bank lender, providing residential mortgages exclusively through the mortgage broker channel. We have consistently been acknowledged as a great workplace, and we take pride in our high employee engagement feedback compared to industry standards.

We appreciate all applications for their interest in this position; however, only candidates selected for an interview will be contacted.

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