Mortgage Fulfillment Specialist, Prime

RFA’s residential mortgage lending business is operated by RFA Mortgage Corporation and RFA Bank of Canada, a federally regulated Schedule I Bank. RFA Mortgage Corporation specializes in Prime lending (Insured, Insurable, Uninsurable), while RFA Bank of Canada is a balance sheet based Alternative mortgage lender (Alt-A and B lending). Combined, RFA offers mortgage brokers a one-stop shop with our full suite of competitive Prime and Alternative mortgages.
RFA’s strategic vision is to be a long-term leader in the residential lending segment by offering a value proposition beyond just rate and compensation. Through building a competitive broker experience and solutions-oriented product suite, RFA’s goal is to be recognized and recommended by our mortgage broker partners, mortgagors, and other strategic partners, for our financing solutions and broker/client experience.

**The Opportunity**

Operations:

- Review and verification of the required underwriting documentation with a strong emphasis on knowledge of income, down payment and property documentation. The incumbent will ensure that documentation adheres to corporate guidelines and is thoroughly verified for accuracy with strong file notation.
- Complete employment verifications with sound due diligence
- Correct data entry errors based on documentation and information received during the file review.
- Responsible for escalating any inaccuracies, issues, or items that are incomplete or potentially present risk to the Company. Any documentation issues are to be managed according to Company guidelines which can include escalating to the underwriter or management for sign off.
- Have a keen sense of fraud awareness to protect the business from financial loss, reputational risk and compliance risk.
- Communicate with internal contacts (management, underwriters and funders) to ensure transactions are processed in a timely and efficient manner in order to meet deadlines.
- Solution oriented individual who can operate in a high-paced work environment.
- Send completed files to Quality Control and Funding in a timely manner for review while maintaining strong compliance results on monthly audits.
- Keep up to date with corporate guidelines, policies and procedures.
- Working in alignment with corporate objectives and risk tolerances

Regulatory & Compliance
- Complete all regulatory and compliance and risk management training.
- Comply with requirements as set by the Compliance function and external regulatory bodies in all instances.
- Act in accordance with the company’s Board-approved risk appetite and tolerance for risk in all instances.
- Ensure Anti Money Laundering and Known Your Client legislation is adhered to on all files.

Customer/Stakeholder Interaction
- Positive and enthusiastic attitude.
- Work well in a team and have confidence dealing with people and addressing issues.
The ability to quickly access and make accurate decisions.
- Management may require additional duties or projects to support the team, stakeholders and vendors.

**What you can bring to RFA**:

- Previous experience with mortgage products, specifically in relation to documentation review, customer service, administration processes, funding, and legal documentation an asset.
- General Knowledge of basic accounting principles would be helpful.

**Benefits of Working at RFA**:

- Health & Dental Care
- Vision Care
- RRSP Match
- Vacation & Personal Days
- Combination of in person & Hybrid working environment
- Health & Wellness initiative
- Concise attention to detail and the tenacity to complete the task properly.
- Strong computer skills, including a high level of proficiency with Microsoft Office and Excel products and the ability to learn new systems quickly.
- Excellent interpersonal, communication and customer service skills.
- Manage multiple priorities while maintaining a high level of quality on all deliverables.

**Accessibility**
Accommodation is available upon request for applicants and employees with disabilities. If you are contacted for a job opportunity, please advise us of any accommodations needed to ensure you have access to a fair and equitable process. Any information received relating to accommodation will be addressed confidentially.