Junior Underwriter

**Position Title**: Junior Underwriter

**Position reports to**:Underwriter Manager

**Position status**:Full time

**Position category**:Permanent

**Location**: Calgary, Alberta

**Work hours**: Monday - Friday 8am - 5pm (40 hours/week)

Calvert Home Mortgage (CHMIC) is a full-service alternative mortgage investment firm that supports homeowners, investors, and brokers to achieve their goals by seeing the person behind every mortgage. We are on a mission to be the most trusted lender in Canada so that our customers, investors and partners succeed and grow in thriving communities.

Simply put, our team is the best in the business. Our expertise and experience are unrivalled -but it’s our caring approach that really sets us apart. Our values of Service, Trust, Education, People and Solutions are the STEPS we take ever day to deliver on this.

Calvert’s longevity and continued success is due to our shared sense of purpose and the understanding that relationships are far more important than transactions. We were founded on the principle of “kitchen table lending” -taking the time to build trust by listening to our customers, understanding their unique needs and goals, educating them on their options, and finding a solution that’s right for them. That might sound obvious but, in our experience, it’s not the norm.

We are looking for a **Junior Underwriter (Underwriting Success Associate)** to be a part of an exciting growth-focused company who truly cares about its employees. At Calvert Home Mortgage we are champions of a culture that creates a positive work environment, which will allow you to thrive and be a contributor to the long-term success of the company.

At Calvert Home Mortgage we offer competitive salaries, a bonus program, share ownership, extended health and dental benefits, a free on-site fitness facility, a location that avoids the downtown commute and free parking.

**WHAT’S THE BIG IDEA?**

**HOW DO WE WORK?**

As an organization we aim to be trusted advisors, offering an effortless experience in providing short-term lending solutions for the personal and financial success of our clients. Offering the best solutions is highly dependent on the management of risk and compliance within our industry. This role will be a key contributor with the ability to manage and analyze risk. We value a productive, proactive, and fast-paced office environment.

**HOW DO YOU FIT IN?**

The successful individual will have the following experience, education, and ability to develop these demonstrated skills:

- Previous experience in the real estate market would be an asset, however preference will be given to individuals who demonstrate a passion in becoming an expert in the industry, through best practices in sales and marketing and negotiation; to continuously push the limits of your abilities to create value for your career, your clients, and the business.
- Post-secondary education with a diploma, degree or equivalent from an accredited college or university.
- Strong communication skills, with an ability to interview, interact with and gather necessary information to understand your client, their business needs, their strengths and weaknesses; communicate Calvert’s services and values to best align with our clients; work with clients to grow our personal and business relationships; sell the company's services to the Mortgage Brokerage industry and to Borrowers.
- Conduct that aligns with company values, ensuring all stakeholders are considered in business operations.
- Strong organizational skills with the ability to adapt to shifting priorities, demands and timelines, to effectively prioritize and execute tasks in a time sensitive environment.
- Ability to troubleshoot and problem-solve.
- A team oriented, positive, and collaborative approach with strong work ethic to fit in with the existing team.
- Ability to work well under pressure and maintain composure in a fast-paced and changing environment.

**WHAT YOU WILL BE DOING**

**80% - Underwriting Activities**
- Learn procedures, policy, and limits of company underwriting.
- Learn to evaluate internal valuations completed by in-house Valuator, or external Appraiser.
- Accurately and fully document underwriting tasks, completed items, and summary notes in the underwriting platform.
- Support Funding Specialists in the preparation of Commitment Letters and review of legal documents used to secure the company’s loans.
- Advise lead Underwriter of trust conditions that have been completed for final review, to release funding requests.
- Assist in complete credit, legal and all required documentation investigations.
- Comply with regulations including but not limited to Real Estate Act, Privacy Act, Securities Act, Business Corporations Act, Fair Trading Act/Consumer Protection Act, (all legislation and regulation in all provinces we do business in) etc.

**15% - Inside Sales Management**
- Develop expertise in the Flip/Rehab with Real Estate