Underwriter

**Upcoming Employment Opportunity**

**Company Overview**

**Job Overview**:
**Major Duties & Responsibilities**:
Job responsibilities include, but are not limited to:
Credit Review, Analysis and Recommendation:

- Maintain minimum funded volumes, as assigned.
- Actively promote sales of existing lending products, up-sell and cross-sell IC Savings’ full range of lending solutions with a focus on residential mortgages.
- When required, assist Senior Underwriter with training broker community on new mortgage offerings.
- Successfully contribute to the Residential Lending results, ensuring growth and profitability targets are being met.
- Follow AML procedures on all files with an emphasis on “Know Your Member” rules.
- Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.
- Manage portfolio risk by exercising consistent, objective and sound credit decisions, escalating with rationale to support recommendations, where appropriate.
- Maintain minimum funded volumes, as assigned.
- Effectively interact with Solicitors, Mortgage and Funding staff to ensure proper workflow and funding procedures.
- Actively participate in all IC Savings’ campaigns and promotions and champion the organization’s sales-oriented culture.
- Maintain both a high personal profile and the reputation of IC Savings as the financial institution of choice amongst the Mortgage Broker community.

Other Functions:

- Keep up with the latest industry knowledge, competition, and market trends.
- Work in collaboration with the team to ensure targets are being met.
- Perform other duties, as assigned.

**Skill & Knowledge Requirements**:

- 5+ years of retail credit adjudicating experience in the banking industry, with at least 2+ years in the alternative mortgage lending space.
- Completion of post-secondary education in combination with relevant mortgage underwriting experience and job-related courses/education.
- Self-starter, self-motivated, creative and entrepreneurial with solid interpersonal and communication skills and an ability to work within a team environment.
- Strong English written & oral communication skills; excellent phone etiquette; proficiency in other languages an asset.
- Existing broker relationships preferred.
- Proficiency in MS Word, Excel, and Outlook.
- High degree of numerical competency.
- Strong focus on customer service excellence, organization, attention to detail and sense of urgency; ability to prioritize and meet deadlines.

**Working Conditions/Physical Effort**:

- Professional, team oriented, office environment.
- Core business hours based on 37.5-hour work week: Monday to Friday from 9:00 am to 5:00 pm; ability to work extended hours, if required.
- The physical demands are representative of those that must be met by being able to successfully perform the essential functions of the job; these include, but are not limited to sitting, considerable use of computer and phone, seldom moving items up to 25 pounds in weight.

**How to Apply**:
At IC Savings, we are committed to accommodating people with disabilities as part of our hiring process. If you have special requirements, please advise us during the recruitment process. All submissions are confidential.
- We thank you in advance for taking the time to review our posting. If you have been selected for an interview, we will be in touch._

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

**Benefits**:

- Company events
- Dental care
- Disability insurance
- Discounted or free food
- Employee assistance program
- Extended health care
- Life insurance
- On-site gym
- Paid time off
- RRSP match
- Store discount
- Vision care

Ability to commute/relocate:

- Etobicoke, ON: reliably commute or plan to relocate before starting work (required)

Application question(s):

- What are your compensation expectations?

**Experience**:

- retail credit adjudication: 5 years (required)
- credit adjudication in alternative mortgage lending space: 2 years (required)

Work Location: In person