drjobs Bilingual Renewal Advisor Conseiller en renouvellement bilingue FRENG

Bilingual Renewal Advisor Conseiller en renouvellement bilingue FRENG

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Job Location drjobs

Toronto - Canada

Monthly Salary drjobs

Not Disclosed

drjobs

Salary Not Disclosed

Vacancy

1 Vacancy

Job Description

Join a Challenger

Being a traditional bank just isnt our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options and we challenge ourselves and our teams to creatively transform whats possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If youre not afraid of taking on big challenges and redefining the future you belong with us. Youll get to work with people who will encourage you to reach new heights. We like to keep things fun ask questions and learn together.
We are a big (and growing! family. Overall we serve more than 670000 people acrossCanadathrough Equitable BankCanadasChallenger Bank and have been around for more than 50 years. Equitable Banks whollyowned subsidiary Concentra Bank supports credit unions acrossCanadathat serve more than six million members. Together we have over$125 billionin combined assets under management and administration with a clear mandate to drive change in Canadian banking to enrich peoples lives. Our customers have named our EQ Bank digital platform one of the top banks in Canada on the Forbes Worlds Best Banks list since 2021.


The Renewal Specialist is responsible for establishing and maintaining a professional relationship with borrowers and/or brokers whose mortgages are approaching maturity. They must review each individual file assess clients needs provide necessary information and negotiate renewals with the ultimate goal of retention while adhering to the banks set policies and procedures.

Le spcialiste du renouvellement des prts hypothcaires doit tablir et maintenir une relation professionnelle avec les emprunteurs et/ou les courtiers dont les prts hypothcaires arrivent chance. Il doit examiner chaque dossier individuel valuer les besoins des clients fournir les renseignements ncessaires et ngocier des renouvellements dans le but ultime de conserver les clients tout en respectant les politiques et procdures tablies par la banque.

The Work ! Le Travail !

    • 1. Retention 60
    • Proactively establish and maintain contact with borrowers in the assigned portfolio of loans 90 to 180 days prior to maturity positively representing the bank through the renewal process with a strong emphasis on superior customer service ultimately with the goal of retaining them as Equitable Bank borrowers. This includes the ability to work professionally with authorized mortgage brokers
    • Negotiate renewals within a predetermined pricing range attempting to offer the borrower the best product while maximizing the banks profit while adhering to the underwriting criteria timelines and other policies and procedures
    • Assess borrowers on an individual basis making knowledgeable recommendations that are best suited to address their needs whilst maintaining and upholding the Banks interest. This includes monitoring mortgages that no longer meet Equitable Banks risk assessment standards working with these borrowers and/or third parties (brokers/lawyers) to ensure that they are able to transition in an efficient and timely manner
    • Be selfdirected and organized able to balance and upkeep the daytoday maintenance of five months worth of loans in a large portfolio. This includes but is not limited to ensuring 24 hour turnaround time on email requests and one hour turnaround time on all phone messages

    • 2. Administration 30
    • Prepare loan renewal documents for individual borrowers processing said documents once signed and returned by borrowers
    • Ensure all procedural and compliance requirements are met to minimize the banks exposure to risk and that all documents meet legal requirements and are electronically archived correctly for future reference
    • Ensure all actions to the file are accurately and consistently documented on the customer tracking database
    • Ensure the file has met all AntiMoney Laundering and AntiTerrorist Financing requirements as stipulated by procedures to minimize the banks exposure to risk

    • 3. Reporting 5
    • Systematically track all interactions with borrowers and other external parties
    • Keep monthly portfolio spreadsheets up to date and available for review by management upon request

    • 4. Other 5
    • Efficiently and accurately complete any additional projects and tasks related to SFR Renewals that may be assigned by management
    • Be team oriented showing a willingness and ability to harmoniously work alongside other Equitable Bank employees in Renewals and other departments to better serve borrowers

    • 1.Conservation 60
    • tablir et maintenir de manire proactive des contacts avec les emprunteurs du portefeuille de prts assigns venant chance dans 90 180jours en reprsentant positivement la banque tout au long du processus de renouvellement en mettant fortement laccent sur un service la clientle suprieur dans le but ultime de les conserver en tant quemprunteurs de la Banque quitable. Cela comprend la capacit de travailler professionnellement avec des courtiers hypothcaires autoriss.
    • Ngocier les renouvellements dans une fourchette de prix prdtermine en essayant doffrir lemprunteur le meilleur produit tout en maximisant le profit de la banque et ce en respectant les critres de souscription les chanciers et les autres politiques et procdures.
    • valuer les emprunteurs sur une base individuelle en faisant des recommandations claires qui conviennent le mieux leurs besoins tout en maintenant et en protgeant les intrts de la Banque. Il faut notamment surveiller les prts hypothcaires qui ne respectent plus les normes dvaluation des risques de la Banquequitable et travailler avec ces emprunteurs et/ou tierces parties (courtiers/avocats ou notaires) pour sassurer quils sont en mesure de faire la transition de faon efficace et en temps opportun.
    • tre autonome et organis et tre en mesure dquilibrer et de maintenir quotidiennement un volume de cinq mois de prts dans un portefeuille important. Cela comprend sans sy limiter de garantir un dlai de traitement de 24heures pour les demandes par courriel et dune heure pour tous les messages tlphoniques.

    • 2.Administration 30
    • Prparer les documents de renouvellement de prt hypothcaire pour chaque emprunteur et traiter lesdits documents une fois quils ont t signs et retourns par les emprunteurs.
    • Sassurer que toutes les exigences en matire de procdures et de conformit sont respectes afin de rduire au minimum lexposition de la banque aux risques et que tous les documents respectent les exigences lgales et sont archivs lectroniquement correctement pour consultation ultrieure.
    • Sassurer que toutes les mesures prises lgard dun dossier sont documentes avec exactitude et de faon uniforme dans la base de donnes de suivi des clients.
    • Sassurer que les dossiers satisfont toutes les exigences en matire de lutte contre le blanchiment dargent et le financement dactivits terroristes conformment aux procdures afin de rduire au minimum lexposition de la banque aux risques.

    • 3.Rapports 5
    • Suivre systmatiquement toutes les interactions avec les emprunteurs et les autres parties externes.
    • Tenir jour les feuilles de calcul mensuelles du portefeuille et les mettre la disposition de la direction sur demande.

    • 4.Autres 5
    • Excuter avec efficacit et prcision tous les projets et toutes les tches supplmentaires lis aux renouvellements de prts hypothcaires pour maisons individuelles que peut lui confier la direction.
    • Avoir un esprit dquipe en faisant preuve de volont et de capacit travailler harmonieusement avec dautres employs de la Banquequitable au sein de lquipe Renouvellements des prts hypothcaires et dautres services pour mieux servir les emprunteurs.

Lets Talk About You ! Parlons De Vous !

    • Completed postsecondary program in a related discipline and/or 23 years of experience in a related field
    • Bilingual (English and French)
    • Superior interpersonal and communication skills both written and verbal
    • Strong decision making and problemsolving abilities
    • Ability to perform under pressure
    • Basic mathematical skills
    • Exemplary analytical abilities
    • Strong customer service and negotiation skills
    • Computer literate (MS Outlook MS Word MS Excel)
    • Selfmotivated to meet tight deadlines
    • Results/goal achievement oriented
    • Ability to seamlessly balance multiple priorities simultaneously; organized multitasking
    • Team oriented
    • Working knowledge of residential mortgages and processes and thorough understanding of products offered by Equitable
    • A general understanding of current mortgage market trends
    • Diplme dtudes postsecondaires dans une discipline connexe et/ou deux trois ans dexprience dans un domaine connexe.
    • Bilingue (anglais et franais).
    • Excellentes aptitudes pour les relations interpersonnelles et les communications tant loral qu lcrit.
    • Grande capacit prendre des dcisions et rsoudre des problmes.
    • Capacit performer sous pression.
    • Comptences de base en mathmatique.
    • Capacits danalyse exemplaires.
    • Solides comptences en matire de service la clientle et de ngociation.
    • Comptences en informatique (MSOutlook MSWord MSExcel).
    • Motiv respecter des dlais serrs.
    • Ax sur les rsultats et latteinte des objectifs.
    • Capacit dquilibrer de faon harmonieuse plusieurs priorits simultanment et de sorganiser pour travailler sur plusieurs tches la fois.
    • Esprit dquipe
    • Connaissance pratique des prts hypothcaires rsidentiels et des processus connexes et comprhension approfondie des produits offerts par la Banquequitable.
    • Comprhension gnrale des tendances actuelles du march hypothcaire.
What we offer For fulltime permanent roles
Competitive discretionary bonus
Market leading RRSP match program
Medical dental vision life and disability benefits
Employee Share Purchase Plan
Maternity/Parental topup while you care for your little one
Generous vacation policy and personal days
Virtual events to connect with your fellow colleagues
Annual professional development allowance and a comprehensive Career Development program
A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience

The incumbent will be working hybrid and in office time will be spent working from Equitable Banks additional office space located at 220025 Ontario Street Toronto ON.
Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyones diverse experiences and perspectives. In tandem with that commitment we support and encourage our staff to grow not just in their career path but personally as well.

We commit to providing a barrierfree recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position.
We cant wait to get to know you!

Required Experience:

Unclear Seniority

Employment Type

Full-Time

Company Industry

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