Director of Residential Underwriting

3 days ago

Calgary, Canada Home Trust Company Full time

Come join Home Trust Company as a Director, Residential Underwriting in our Underwriting-Residential team This role can be based in Calgary OR Vancouver.


Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people. Home Trust is a private company.


FIRST THING – WHAT YOU NEED TO SUCCEED?

We are looking for individuals who are dedicated, passionate, and driven to execute with excellence

This role is Hybrid and can be based in Calgary, Alberta or Vancouver, British Columbia.


WE CARE ABOUT OUR EMPLOYEES WELL-BEING, WHAT WE OFFER:

  • Base salary, with yearly incentive performance bonus
  • Three (3) weeks of vacation, an additional six (6) flex days (sick or personal) in addition to statutory holidays
  • Comprehensive benefit packages, offered through Manulife
  • Group Retirement Savings Plan (GRSP) up to 8% contribution program & employer match
  • $1000 Employee Referral Program
  • Employee Discounts; phone plans, gym membership, Toronto Bike Share and many retailer discounts offered through WorkPerks
  • Education Assistance program


ABOUT THE ROLE:

The Director, Residential Underwriting leads a team of underwriting professionals, ensuring adjudication of mortgage applications is consistent with the company’s risk appetite and within the context of established service level objectives. Assessing risk and ensuring all applications adhere to both quality and service standards remains the overarching focus for this role through coaching and mentoring their respective teams.


In Addition:

  • Lead by example and provide regular formal and informal feedback, coaching and mentorship to team members
  • Identify and develop future leaders, and conduct formal and informal performance reviews
  • Foster a team environment focused on achieving all departmental objectives and goals in support of the business plan
  • Monitor productivity and workflow to ensure optimal team efficiency and quality, and to manage ongoing team staffing needs
  • Ensure team’s understanding of and adherence to operating procedures
  • Be accountable for the maintenance of the team’s pipeline and adherence to the pipeline management process
  • Participate in budget planning and allocation and ensure team operations fall within allocated Director budget
  • Ensure team’s adherence to operating procedures and effective pipeline management
  • Ensure prudent credit decisions are made on complex mortgage files
  • Review and approve loan terms and pricing within delegated authority
  • Manage and respond to escalation as appropriate
  • Provide input to the Learning & Development team to drive continuous improvement and support the Residential Underwriting team’s knowledge and skill development
  • Recommend process improvements and provide strategic direction aimed at enhancing operational efficiency
  • Participate in special projects as required
  • Ensure team’s adherence to defined Service Level Agreements, including acknowledging applications and following up on additional required information
  • Liaise with the Sales team to facilitate portfolio progression, support broker relationships and maximize underwriting effectiveness
  • Work effectively with all internal and external business partners
  • Remain current on latest industry developments and market trends to secure competitive advantage


WHAT WE REQUIRE:

  • Authorized to work in Canada
  • Excellent communication skills
  • University degree in related area or discipline
  • Additional relevant accreditation(s), certification(s) are assets
  • 10+ years mortgage lending experience
  • 5+ years leading a team within mortgage lending
  • In depth understanding of residential mortgage products
  • Significant experience in reviewing residential mortgages
  • Strong organizational, time-management and analytical skills
  • Strong interpersonal relationship building and listening skills
  • Motivates and engages team through fostering a collaborative team environment
  • Excellent written / verbal communication and professional maturity


PREREQUISITE: Maintain a positive supportive attitude, help to maintain an inclusive and supportive company culture


Follow us on LinkedIn: Home Trust Company: My Company | LinkedIn

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