Internal Broker

**Internal Broker**

**MCAP at a Glance**

Joining MCAP means you will be a part of our diverse workforce of highly talented individuals who are recognized for their expertise and success At MCAP, your professional expertise, commitment to teamwork and passion for service excellence are recognized and rewarded with competitive total rewards offering, a career with continuous learning and development (formal & informal training), and exciting opportunities in a dynamic, entrepreneurial environment.

**The Role**

This position is responsible for the success of borrower retention and facilitation of the borrower financing experience. An Internal Broker promotes financing options for files across multiple brands to achieve borrower financing needs in a timely manner, along with preventing early payout and promoting ancillary services.

This position is empowered to create a meaningful and lasting borrower relationship, while utilizing underwriting policies to make decisions regarding borrower qualifications, interest rate discounting, blended rate calculations, and penalty amounts related to refinancing and porting.

This position involves flexibility with hours to ensure the best borrower experience across Canada. The Internal Broker department currently manages an inbound queue during the hours of 8:00AM - 8:00PM EST in conjunction with managing outbound call efforts as needed across Canada. It is expected that an Internal Broker be able to work any time during the available hours within the current hours of operation.

Being on the frontline, this role will have the opportunity to hear what customers are saying about MCAP products & services, as well as about policies. It is expected all Agents will provide comments regarding customer opinion to the Manager, Internal Broker.

**Provide Financing Solutions**
- Review financial situation of borrowers (includes analyzing income, assets, liabilities and credit bureau details while assessing the borrower’s ability to qualify for the requested solution)
- Utilize product options and borrower goals to suggest products and terms that are mutually beneficial to borrowers, MCAP, and investors
- Handle enhanced rate negotiations and fee discounting with borrowers
- Work with underwriting team, closing co-ordinators, and borrowers to secure new mortgage approval, collect required documentation and fund new mortgages
- Adhere to process and service level requirements for each step of the process
- Handle complex conversations by educating borrowers on the feasibility of desired solutions and required steps to achieve borrower goals
- Work in partnership with Renewal Account Manager to facilitate financing at maturity

**Borrower Advocate**
- Handle inbound and outbound borrower interactions, advocating for each borrower and finding an agreeable solution to their financing needs
- Exclusively responsible for the borrower relationship throughout the funding process, providing updates and minimizing borrower effort

**Promote Options (Ancillary & Retention)**
- Promote applicable lender product options and services such Mortgage Life Insurance, Disability Insurance, and Home Warranty options
- Promote and educate on features and benefits of existing mortgage product to retain borrowers when financing unavailable or unwarranted Report Consumer Opinion
- Assist with respect to enhancing the overall borrower experience, both mid-term and at maturity. Provide feedback and insight to management

**What You Bring To The Team**
- Solid understanding of MARS, MARSweb, SharePoint, CIC, Investor and Insurer guidelines
- Mortgage Servicing or Origination Industry experience (minimum 2 years)
- Customer Service and/or Retention experience Languages Used in the Role
- Strong negotiation and retention skills
- Ability to foster and maintain relationships
- Exceptional oral and written communication skills with emphasis on educating
- Attention to detail
- Flexible working hours
- Strong analytical and problem-solving skills
- Exceptional oral and written communication skills
- Excellent organizational and time-management skills
- Ability to multi-task in a fast-paced environment
- Ability to remain calm in stressful situations
- Carries out duties with integrity and takes responsibility for actions
- Self-driven and motivated with the ability to work independently and in a team environment
- University Degree/College Diploma Certifications
- Completion or ability to complete Mortgage agent license course to satisfy provincial regulatory requirements within 6 months of start date Experience

If this sounds like you and you are looking to be a part of one of Canada’s largest independent mortgage finance companies, then we want to hear from you

**Be A Part Of Something Great**

MCAP is Canada’s largest independent Mortgage Finance company with over $150 billion in assets under management providing mortgage solutions for residential and commercial properties. For over 35 years, MCA