Mortgage Broker Relationship Manager

2 weeks ago

Montreal, Quebec, Canada Scotiabank Full time

Requisition ID: 209471

At Scotiabank, we are committed to delivering exceptional results in an inclusive and high-performing culture.

Purpose

This role contributes to the overall success of Scotia Mortgage Authority in Canada, ensuring specific individual goals, plans, and initiatives are executed and delivered in support of the team's business strategies and objectives. All activities conducted must be in compliance with governing regulations, internal policies, and procedures.

The Mortgage Broker Relationship Manager is responsible for servicing a portfolio of existing mortgage broker relationships. They will grow Broker relationships, providing high levels of underwriting service and assist the bank in meeting its targets with respect to cross-selling other bank products to mortgage customers.

Key Responsibilities

  • Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions.
  • Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank's Values, its Code of Conduct, and the Global Sales Principles, while ensuring the adequacy, adherence to, and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions, and conduct risk.
  • Champions a high-performance environment and contributes to an inclusive work environment.
  • Manage existing relationships with a portfolio of mortgage brokers and the individuals who staff them, to ensure that the Bank earns a reputation for providing the highest level of prompt and attentive service in the industry and the Bank represents the first choice of lenders by the mortgage brokerage community.
  • Responsible for supporting a portfolio of predominantly new, less experienced, or lower volume brokers who typically require higher-touch support on their deals as compared to more experienced brokers.
  • Effectively communicate and reinforce Bank lending policy and procedures to brokers, instilling a thorough knowledge of our lending requirements and qualifying parameters as it relates to specific deals.
  • Determining and obtaining all pertinent credit information such as proof of income, down payment confirmation, etc., and conducting appropriate due diligence thereon in order to meet the Bank's credit and quality standards, including anti-money laundering and anti-terrorist financing standards, and maintaining the bank's desired reputation with the public and regulators.
  • Accurately reviewing (and if needed, correcting) data electronically supplied by Brokers, inputting data to computer underwriting program, and reviewing the merits of the application, and determine a 'pass', 'fail', or 'further consideration' decision for each mortgage application.
  • Within a designated discretionary limit for mortgage applications which are 'passed' by the system, approve or decline mortgage transactions and recommend to a higher level those which are qualified for further review if the incumbent considers them to be credit-worthy.
  • Issuing and following-up on commitments.
  • Ordering and reviewing appraisals for conventional mortgages, if required.
  • Monitor mortgage broker activities and bring any activities which appear worthy of further investigation to the attention of appropriate Bank officers (supervisor or S&I).
    • Assembling, analyzing, and ensuring receipt of all relevant information and documentation prior to onward submission of the file to the Mortgage Funding Department for timely instruction to solicitors.
    • Obtain Mortgage Insurer approval for insured loans and order and review appraisals for conventional mortgages, if required.
    • Develop a thorough knowledge of the Bank's retail products, policies, and procedures and ensure Mortgage Brokers are familiar with the Bank's Cross-sell program and desire to promote multi-product customers commencing with the Broker Sales Process.
    • Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions.
    • Champions a customer-focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.
    • Actively pursues effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to, and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk, and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook, and the Guidelines for Business Conduct.
    • Pursuant to a language needs assessment conducted by Scotiabank, the successful candidate will be required to be able to communicate in English in addition to French because they will be required to work closely with other groups from head office who operate primarily in English and they will serve and English-speaking clientele.

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