Mortgage Underwriter/personal Banker

At Luminus Financial, our goal is to provide our member-owners with excellent financial services at the lowest possible cost. We strive to be our members’ first choice for financial products, services, and advice. We pride ourselves on fostering a dynamic and inclusive work environment, where your career is not just a job but a journey of growth, collaboration, and community impact.

We have an exciting opportunity to join our team as a **Mortgage Underwriter/Personal Banker. **Reporting to the Director, Member Relations & Corporate Culture, the Mortgage Underwriter/Personal Banker plays a critical role on the member service team. This position provides members with retail lending solutions including residential mortgages, personal loans, lines of credit, credit card approvals, and RRSP loans. It is expected that this position will “pitch in” and support other areas within our Branch operations. Building relationships, identifying member needs, and cross-selling lending and deposit products and services are integral to this role.

**Responsibilities**
- Act as an ambassador for Luminus both internally and externally to promote the Luminus brand
- Interview loan and mortgage applicants, analyze financial information, assess credit and adjudicate loans and mortgages within discretionary limits and/or make recommendations for approvals/declines to appropriate next level
- Act as the primary resource for opening new accounts and effectively manages the member-owner on-boarding process
- Process appropriate documents associated with the sale of savings and investment products
- Identify opportunities to promote, up sell, and cross sell the credit union credit products and partner products
- Support and uphold a team-based work environment that includes cross-functional support for deposit/investment and other areas
- Participate in outbound calling programs
- As required, represent the credit union in the community by participating in/organizing local business activities and community functions.

**Qualifications**:

- A minimum of 3-5 years lending experience at a financial institution as a loans officer/personal banker or equivalent
- A related degree/ diploma or other relevant post-secondary training
- A solid understanding of retail loans and mortgages (including self-employed and other unique situations)
- A proven track record of providing excellent customer service and meeting sales targets
- Strong interpersonal skills with a team orientation
- Strong written and verbal communications skills
- Bondable

**Assets**:

- Credit union experience
- Knowledge of RFS and ASAP systems

**What We Offer**
- Permanent full-time position with the opportunity to work from home once your training is completed (hybrid role)
- Competitive salary and incentive plus a comprehensive benefits package that includes drug, dental, and extended health coverage
- Employee pension plan
- Share in our success Profits are returned to member-owners through bonus interest on deposits and interest rebates on loans and mortgages. Your contributions directly contribute to the financial well-being of our community
- Investment in your ongoing training and career development
- Community involvement which is at the heart of our credit union values and governing cooperative principles

Luminus Financial is committed to meeting the needs of all individuals in accordance with the Accessibility for Ontarians with Disabilities Act (AODA). Should you require accommodations during the recruitment and selection process, please notify us and we will work with you to meet you needs.

**Job Types**: Full-time, Permanent

Pay: From $65,000.00 per year

Additional pay:

- Bonus pay

**Benefits**:

- Company pension
- Dental care
- Disability insurance
- Employee assistance program
- Extended health care
- Life insurance
- Paid time off
- Vision care
- Work from home

Schedule:

- Monday to Friday

**Experience**:

- underwriting: 3 years (preferred)

Work Location: Hybrid remote in Etobicoke, ON