Residential Underwriter, Halifax

2 weeks ago

Halifax NS BJ N, Canada Home Trust Full time

Come join Home Trust Company as a Residential Underwriter in our Underwriting Classic - Halifax team

Home Trust Company has developed a track record of success as Canada's leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people. Home Trust is a private company.

FIRST THING – WHAT YOU NEED TO SUCCEED?

We are looking for individuals who are dedicated, passionate, and driven to execute with excellence

WE CARE ABOUT OUR EMPLOYEES WELL-BEING, WHAT WE OFFER:

  • Base salary , with yearly incentive performance bonus

  • Three (3) weeks of vacation, an additional six (6) flex days (sick or personal) in addition to statutory holidays

  • Comprehensive benefit packages, offered through Manulife

  • Group Retirement Savings Plan (GRSP) up to 8% contribution program & employer match

  • $1000 Employee Referral Program

  • Employee Discounts; phone plans, gym membership and many retailer discounts offered through WorkPerks

  • Education Assistance program

ABOUT THE ROLE:

The Residential Underwriter will adjudicate mortgage applications by assessing prospective clients in accordance with the 5 C's (Capacity, Capital, Collateral, Character, and Conditions). Assessing risk and ensuring all applications adhere to both quality and service standards remain the overarching focus for this role.

In addition:

  • Make prudent credit decisions on complex mortgage files
  • Receive, review, analyze and verify mortgage applications for completeness, accuracy, suitability and risk to ensure compliance with all aspects of Home Trust Company's underwriting policies, procedures and guidelines per delegated authority matrices
  • Adhere to applicable compliance obligations including Privacy, Anti-Money Laundering/Anti-Terrorist Financing and internal Anti-Fraud Policy requirements
  • File Unusual Transaction Reports as applicable to fulfill individual employee obligations to detect and deter financial crimes activity. Maintain consistent, objective and sound risk assessments in a high volume, service-oriented environment
  • Analyze and underwrite residential mortgage applications, including an assessment of the borrower, real estate security and loan terms as well as identifying any associated risk
  • Negotiate, recommend and approve loan terms within Home Trust's risk appetite
  • Maintain accurate information and detailed notes on applications
  • Prepare and issue conditional mortgage commitments according to negotiated and approved terms, which outline all conditions that must be met to Home Trust's satisfaction

WHAT WE REQUIRE:

  • Authorized to work in Canada

  • Great communication skills

  • Post-secondary degree or diploma, preferably in business management, finance, or related field (university an asset)

  • 3-5 years mortgage lending experience

PREREQUISITE: Maintain a positive supportive attitude, help to maintain an inclusive and supportive company culture

Follow us on LinkedIn: Home Trust Company: My Company | LinkedIn

  • Mortgage Officer, Halifax

    2 weeks ago

    Halifax, NS BJ N, Canada Home Trust Full time

    Come join Home Trust Company as a Mortgage Officer in our Underwriting Classic - Halifax teamHome Trust Company has developed a track record of success as Canada's leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending...

  • Underwriter

    1 week ago

    Halifax, Canada Graysbrook Capital Ltd. Full time

    **Underwriter (Halifax, Nova Scotia)** - **Attributes**:_ - **Education/Experience**:_ - Bachelor’s degree in business or similar discipline, with a minimum of five years of experience in mortgage underwriting for both residential and commercial mortgages; or, a combination of training and experience in a previous underwriting role. - Experience in...

  • Underwriter, Professional Solutions

    2 weeks ago

    Halifax, Canada Trisura Guarantee Insurance Company Full time

    At Trisura, we expect more because we believe it can be done better. We are a young, growth oriented team with a commitment to exceptional talent and have been named one of Canada’s Top Small and Medium Employers since 2017. Our growth and our entrepreneurial style, niche market position and development opportunities ensure that our people see the results...

  • Underwriter, Contract Surety

    2 weeks ago

    Halifax, Canada Trisura Guarantee Insurance Company Full time

    At Trisura, we expect more because we believe it can be done better. We are a young, growth oriented team with a commitment to exceptional talent and have been named one of Canada’s Top Small and Medium Employers since 2017. Our growth and our entrepreneurial style, niche market position and development opportunities ensure that our people see the results...

  • Contract Surety Financial Analyst

    7 days ago

    Halifax, Canada Trisura Guarantee Insurance Company Full time

    A specialty lines insurer in Halifax is seeking a Financial Analyst / Underwriter for contract surety. Responsibilities include underwriting applications, analyzing financial strengths, and developing new business relationships. Candidates should have a BCom or BA in a related field and 2-5 years of experience in Surety, Accounting, or Finance. This role...

  • Contract Surety Financial Analyst

    1 week ago

    Halifax, Canada Trisura Guarantee Insurance Company Full time

    A specialty lines insurer in Halifax is seeking a Financial Analyst / Underwriter for contract surety. Responsibilities include underwriting applications, analyzing financial strengths, and developing new business relationships. Candidates should have a BCom or BA in a related field and 2-5 years of experience in Surety, Accounting, or Finance. This role...

  • Senior Regional Underwriter

    1 week ago

    Halifax, Canada Covea Insurance Plc Full time

    A UK-based insurance company is seeking a Senior Regional Underwriter to join their eTrade function in Halifax. The role involves technical underwriting, coaching team members, managing customer complaints, and enhancing service quality. Candidates should have strong experience in eTrade products and excellent communication skills. The position offers a...

  • Senior Regional Underwriter

    1 week ago

    Halifax, Canada Covea Insurance Plc Full time

    A UK-based insurance company is seeking a Senior Regional Underwriter to join their eTrade function in Halifax. The role involves technical underwriting, coaching team members, managing customer complaints, and enhancing service quality. Candidates should have strong experience in eTrade products and excellent communication skills. The position offers a...

  • Senior P&C Underwriter – Halifax, Growth

    3 weeks ago

    Halifax, Canada Liberty Mutual Canada Full time

    A national insurance provider is seeking a skilled Senior Underwriter in Halifax to manage a portfolio of property and casualty business. This role involves underwriting, team coaching, and strategic management of relationships with brokers and clients. The ideal candidate will have at least 4 years of experience in commercial P&C insurance and a strong...

  • Senior P&C Underwriter – Halifax, Growth

    3 weeks ago

    Halifax, Canada Liberty Mutual Canada Full time

    A national insurance provider is seeking a skilled Senior Underwriter in Halifax to manage a portfolio of property and casualty business. This role involves underwriting, team coaching, and strategic management of relationships with brokers and clients. The ideal candidate will have at least 4 years of experience in commercial P&C insurance and a strong...