Mortgage Loan Originator
1 week ago
HomeEquity Bank is the leading national provider of reverse mortgages to homeowners aged 55 and over, Canada’s fastest growing demographic segment. HomeEquity Bank originates and administers Canada’s largest portfolio of reverse mortgages under the CHIP Home Income Plan brand. New mortgages are originated on a direct to consumer basis as well as through referral arrangements with the six largest banks, leading mortgage brokers and financial planning firms. HomeEquity Bank has been the main underwriter of reverse mortgages in Canada since its predecessor; Canadian Home Income Plan Corporation pioneered the concept in 1986. HomeEquity Bank has a highly effective direct-to-consumer distribution model (B2C), as well as an established referral network (B2B), including Canada’s major banks, credit unions, financial planners and mortgage brokers.HomeEquity Bank is exceptionally well positioned for further growth for a number of very important reasons: 1) positive demographic trends in the 55 years old and over segment, 2) wider awareness and growing demand of reverse mortgages in the market, 3) significant barriers to entry for competitors, and 4) HomeEquity Bank’s firm position as market leader.
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It is critical that the Mortgage Loan Originator has a collaborative relationship with the Bank’s other departments, particularly the Sales Team. As the day-to-day face of the Mortgage Originations Department, the Mortgage Loan Originator must lead by example and ensure healthy, effective relationships within the Bank are fostered. At the same time, it is equally critical that the Mortgage Loan Originator maintains independence to be able to make appropriate decisions in regards to quality control to ensure valid and enforceable security on every funded mortgage.
**MAJOR ELEMENTS OF THE ROLE**:
- The Mortgage Loan Originator will have a key role to play in ensuring that Sales Agents are aware of specific file requirements to ensure files move through to funding in a timely manner.
- The Mortgage Loan Originator coordinates with various internal clients and partners (Sales Agents and Underwriters) and external partners (Title Insurers and Provincial lawyers)
- To ensure a properly executed mortgage - a mortgage registered on title providing the Bank with the required appropriate security for the loan.
**Key Responsibilities**:
- Comprehensive file details with a large focus on the collection and review of documentation required to satisfy all conditions and ensure all applicable laws, regulations, and internal policies have been respected.
- This role is fast paced with a consistent workload. Expectations are to have a positive client experience every time coupled with accuracy of work and files that fund on time.
**SKILLS AND EXPERIENCE REQUIRED**:
- University Degree or Community College Diploma
- 1-2 years of related experience
- Has a basic understanding of the current financial services’ environment
- Has good communication and conflict management skills
- Thrives on variety and continuous improvement
- Well organized and is equally comfortable working on their own as well as being a contributing member of a collaborative team.
- Ability to adapt to changing environment and handle multiple priorities
- Proactive approach and sense of urgency to get things done
- Creative problem-solving skills with the ability to get results
- Some proficiency in Microsoft Office with the ability to learn new programs and/or platforms quickly
- Excellent customer service skills with a drive to build strong relationships
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Mortgage Loan Originator
1 week ago
Toronto, Canada HomeEquity Bank Full timeHomeEquity Bank is the leading national provider of reverse mortgages to homeowners aged 55 and over, Canada’s fastest growing demographic segment. HomeEquity Bank originates and administers Canada’s largest portfolio of reverse mortgages under the CHIP Home Income Plan brand. New mortgages are originated on a direct to consumer basis as well as through...
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