Manager, Residential Underwriting
3 months ago
Company Profile
Home Capital Group Inc., together with its operating subsidiary 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 our core residential and commercial mortgage lending business, the Company and its affiliates also offer complementary lending services and competitive deposit investment products. Our culture has been shaped by the passion and integrity of our people. Home Trust is a wholly-owned subsidiary of Home Capital Group, trading on the TSX under the symbol HCG.
Position Responsibilities
Lead and develop a highly capable and engaged workforce of credit professionals to ensure applications are decided upon within the company’s risk appetite and established SLA’s Regularly coach and develop direct reports and support employee development across the unit/company. Meet all financial operating requirements including behaving in a fiscally responsible manner and in compliance with all internal operating control standards Monitor productivity and workflow to ensure optimal team efficiency and quality in adjudicating prospect applications Refine, deliver and promote underwriting processes and best practices in support of a culture of service excellence Appropriately actions post funding review and Loan Review findings at the Underwriter and Mortgage Officer level to ensure effective decision processes are maintained Support the Directors’ implementation/maintenance of underwriting standards and guidelines for existing and new products. Review, analyze and verify mortgage applications for completeness, accuracy, suitability, and risk to ensure compliance with underwriting policies, procedures, and guidelines Adhere to compliance obligations including Privacy, Anti-Money Laundering/Anti-Terrorist Financing, and internal Anti-Fraud Policy requirements File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity Effectively manage Underwriters’ delegated lending authority to ensure authority is consistent with capability and capacity Ensure team members are adhering to assigned Service Level Agreements for each underwriting and fulfillment process. Effectively partner with the Sales BDMs and other Operations groups to ensure an effective and efficient application and funding process
Formal Education
Post secondary degree or diploma required (University degree preferred) in related area
Related Experience
• 5-7 years leading a team within mortgage lending
• In depth understanding of residential mortgage products developed through experiences within a similar environment
• Significant experience in reviewing residential mortgage applications
Skills
Leadership and people management Coaching and mentoring Collaborating Negotiating, influencing Professional maturity- exceptional Communication (verbal and written) - excellent
Position Complexities
Some work beyond standard hours
Acknowledgement
All employees of Home Capital Group Inc. must comply with all applicable Home Capital Group Inc, Home Trust Company, and specific Line of Business policies, standards, guidelines and controls. Additionally, all employees are obligated to become familiar with Home’s risk management framework and understand the operational risk management requirements within their specific business. Employees are also expected to understand and comply with the Company’s Code of Business Conduct & Ethics Policy at all times and escalate any issues or concerns through various reporting channels ( Ombudsman, Compliance Hotline, Whistleblower Policy, etc).
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