Associate Residential Mortgage Underwriter

Questrade Financial Group (QFG), through its companies - Questrade, Inc., Questrade Wealth Management Inc., Community Trust Company, Zolo, and Flexiti Financial Inc., provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. Questrade uses cutting-edge technologies to develop innovative products that give customers better, more affordable ways to take control of their money.

We are everything a traditional financial institution is not. At QFG, you will be constantly moving forward, bringing the future of fintech into existence. You will be a part of a collaborative team that cares deeply about our mission and each other. Your team members will help you conquer challenges, push boundaries and discover what you are truly capable of.

At QFG, we have a culture of innovation where technology serves people—both our team and our customers. We see AI as a collaborative and transformative enabler, and we are seeking forward-thinking individuals who can effectively integrate it into their daily work. The ideal candidate will be a catalyst for change, helping us use AI to create a more efficient and rewarding employee experience while also developing cutting-edge solutions that delight and serve our customers. Join us in shaping a future where AI empowers our team to do their best work and helps us deliver unparalleled customer experiences.

This is a place where you can explore, discover and learn with continuous growth. As a diverse and inclusive place to work, with a hybrid working environment you can unleash your creativity and curiosity with no limits. If you share the same sense of infinite possibility, come shape your future at QFG.

What's in it for you as an employee of QFG?

• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days for work-life balance
• Competitive compensation and benefits packages
• Work-life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment

We're looking for our next Associate Residential Mortgage Underwriter. Could it be you?

The Associate Residential Mortgage Underwriter is responsible for successfully supporting overall portfolio growth in an environment focused on operational and service excellence. This role is responsible for ensuring documentation relating to mortgage files are reviewed, verified, and completed in compliance with established credit policies, while adhering to service standards.

Need more details? Keep reading...

In this role, responsibilities include but are not limited to:

• Successfully contribute to the Residential Lending results, ensuring growth and profitability targets are being met.
• Review mortgage documentation to ensure each document is complete and accurate based on Community Trust's credit policies, procedures, and anti-money laundering requirements.
• Update mortgage applications to accurately reflect documentation provided and ensure the application continues to meet their lending authority.
• Maintain knowledge of Community Trust residential mortgage underwriting policies, procedures and products.
• Instruct files to FCT and work together with Residential Funding to ensure timely closings.
• Communicate with internal contacts to ensure service level standards are met and foster positive relationships.
• Ensure mortgage statuses are accurate and communicated appropriately.

Effectively partner with Mortgage Advisory (Alt-A) to deliver top of class experience to our partners.

• Work in collaboration with the Credit Quality Assurance and Funding teams to ensure targets are being met.
• Learn the company's business practices, organizational structure and general policies and procedures.
• Ensure accurate record keeping and that all records are stored and retained to meet Company standards.
• Identify continuous improvement opportunities.
• Follow AML procedures on all files with an emphasis on "Know Your Client" rules.
• Proactively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
• Adhere to compliance and operational risk controls in accordance with company's policies and procedures.
• Effectively manage tasks and cases to adhere to predetermined Service Level Agreements

So are YOU our next Associate Residential Mortgage Underwriter? You are if you…

• Minimum of 2 years' experience in residential origination, preferably in the alternative lending space
• Fluency in French preferred
• Post-Secondary Education preferred.
• Working knowledge of Google Workspace applications.

Additional kudos if you…

• Demonstrated ability to provide alternate solutions based on product and guideline availability.
• Capable of handling multiple tasks and meeting stringent deadlines.
• Tactful, diplomatic, and politely persistent.
• Results oriented.
• Self-motivated, confident, and capable of working both independently and in a team environment.
• Bring a positive, can-do attitude to our organization, using creative solutions to solve problems.
• Establish and build on healthy working relationships with your team and peers.
• Work well in a dynamic and fast paced environment with the ability to navigate through organizational change.
• Committed to providing outstanding customer service.
• Demonstrates interpersonal and relationship building skills.
• Solid understanding of the general characteristics, attributes and risk factors associated with various loan types.
• Demonstrates strong negotiation and sales skills.
• Solid written and verbal business communication skills.
• Strong analytical skills.
• Demonstrates effective organizational and time management skills.
• Solid written and verbal business communication skills.
• Exceptional analytical skills and a keen eye for detail.

Sounds like you? Click below to apply

At Questrade Financial Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. This is an environment where individuals are treated with dignity and respect. Here, the unique skills and experience you bring will be valued. You will be supported and motivated, so that you can harness your unlimited potential. Our team reflects the diversity of the communities we serve and operate in. Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us.

Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening. The AI system operates on predetermined criteria, with final decisions subject to human review.

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.