Mortgage Fulfillment Officer

Requisition ID: 229549

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

**Purpose**:
**What You'll Do**:

- Accurately preparing and forwarding instructions to the lawyer, vendor and/or branch within established SLA.
- Accurately preparing final funding documents to ensure they are uploaded to the customer file.
- Reviewing Request for Funds and Identification Verification documents provided by Solicitor to ensure it is accurate and in compliance with Bank requirements.
- Accurately preparing and reviewing documentation at the time of funding including Personal Credit Agreement (PCA), Mortgage Credit Agreement for Business (MCAB), Mortgage Payout and Transfer Request, Cost of Borrowing (COB), Mortgage Protection Application (MPA), Funding and Documentation Request (FDR - Progress Draws), Bridge Loan security documents and customer payout statements (Refinances)
- Ensuring accuracy of mortgage information in various Bank systems such as: SMART Funding (Process Navigator), Mortgage Information Management System (MIMS), Term Lending System (TLS), Customer Information System (CIS), Visa and ScotiaLine platform (KS), Workflow, Imaging and Document Repository (IRIS) and the Mortgage Fulfillment System (MFS)
- Requesting all internal mortgage payout statements and providing to the appropriate party.
- Calculate, prepare and send refund for mortgage prepayment penalties based on bank policy.
- Make appropriate decisions regarding the deal structure to ensure it is in accordance with bank policies (ex. Missing information, Independent Legal Advice set up (when required), SAM Warnings, STEP limits, Links, Ports, Non-Personal deals and Global Limit Increases, etc).
- Disbursing mortgage proceeds on the correct date and to the appropriate payee; verifying the accuracy and completeness.
- Preparing posting worksheets for the Mortgage Accounting Department to post the corresponding entries.
- Ensuring prompt, accurate and thorough response/resolution to all inquiries from branches, lawyers, underwriters, vendors and other business partners
- Maintaining accurate records and filing systems on users shared drive folder, per established procedures.
- Providing backup, as required, to other MFOs to cover absences/vacations
- Recommending solutions to avoid recurrence of errors/problem situations
- Attend all scheduled team meetings and touch bases
- Ensure accurate implementation of all system, policy and procedure changes
- Identify opportunities for increased efficiency within the department
- Maintaining a thorough knowledge of the systems used as part of regular job duties as well as knowledge of Scotiabank’s mortgage products, policies and procedures.

**2. Provide superior customer service to BRMs/BLMs/HFLMs/HFSLMs, Branch Officers, Solicitors and all business partners by**:

- Delivering a high level of front-line service and support
- Establishing and maintaining effective support and working relationships with assigned Underwriters and other internal business partners such as Regional Vice Presidents (SMA) and Regional Directors (HFS); establishing and maintaining an open, co-operative and customer centric relationship with other internal business partners to ensure consistency of service including the RSC, CSAs, Branches, as well as external partners, such as solicitors and 3rd Party Mortgage Fulfillment partners (Fidelity National Financial & First Canadian Title).
- Establishing and maintaining superior knowledge of mortgage products and related services to ensure the ability to provide prompt, accurate and knowledgeable service to internal and external business partners
- Assuming full responsibility for all Underwriter, Customer, CSA, Branch and Solicitor inquiries, concerns and complaints, ensuring prompt, accurate and efficient response by resolving them within discretion or escalating to Team Leader.
- Completing instructions and funding within appropriate SLAs
- Actively managing pipeline deals in the MIMS system to ensure no stale dated deals as well as SMART notifications assigned to you
- Ensuring required documentation is received prior to funding on all deals
- Ensuring accurate and timely setup of funds to lawyer, vendor or customer as required is completed
- Providing guidance, product knowledge and policy information to Underwriters, CSAs, Branches, Solicitors and third-party vendors.
- Proactively identify ways to improve level of service and support provided by the department.

**3. Ensure the Bank’s risk profile is mitigated by**:

- Ensuring all processes, documentation and regulatory requirements or changes are adhered to
- Ensuring all mortgage documentation received meets requirements including but not limited to; completed Request for Funds form and Signed Personal Credit Agreement which protects both Scotiabank and the customer
- Ensuring compliance by updating customer identification within Bank systems prior to funding
- Ensuring any