Senior Mortgage Underwriter
Senior Mortgage Underwriter
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Job Description
Trevor Frances Recruitment is seeking a dynamic individual to join an award winning Canadian residential mortgage lender obsessed with customer satisfaction. They are focused on providing brokers with the best experience when it comes to funding their prime mortgage files. A focus on relationship building best in market tech and an all-star team to take the file from start to finish and beyond. They have partnered with all 3 mortgage insurers and will be offering insured insurable and uninsurable products.
Purpose of Role:
The Senior Mortgage Underwriter is the primary point of contact for all originator interaction. Further they are responsible for the review processing and approval of mortgage applications ensuring strict adherence to their residential mortgage underwriting policy procedures and applicable guidelines.
Responsibilities:
Deliver an exceptional customer service experience in every interaction
Investigate evaluate negotiate and approve or decline applications based on authorized lending limits and within their Underwriting guidelines and current legislation
Assist other Underwriters and Fulfillment with questions or concerns
Build maintain and enhance customer service levels. Verify and validate customer eligibility and material risk documentation for accuracy while mitigating any concerns surrounding suspected misrepresentation
Gather any necessary information required to coordinate and analyze credit applications and ensure consistent objective and sound credit decisions in a high-volume environment
Analyze and submit recommendations regarding credit applications which exceed their authorized limit
Analyze and submit (where applicable) applications requiring Mortgage Insurer approval in compliance with guidelines
Verify data and information on mortgage applications and credit bureaus to ensure accuracy
Ensure the attainment of service standards for processing applications in accordance with company policies and procedures
Resolve any escalated credit issues reply to internal and external client queries and communicate credit decisions
Keeps up to date on applicable legislation as well as on the companys policies programs procedures and mortgage insurer policies
Ensure awareness and compliance with all aspects of the QA program
Continuously learn adapt engage and grow in your role and as an integral part of the organization
Regulatory:
Complete all mandatory training specifically:
Regulatory
Privacy
Compliance and risk management
AML/ATF
Quality Assurance
Act at all times in accordance with Strives risk appetite as defined by the RMUP
Confidentiality:
Maintain employee customer and partner confidentiality
Competencies:
Post Secondary is an asset
Must have previous single family residential mortgage underwriting experience
Previous experience developing and maintaining positive broker relationships
Detailed working knowledge of principles of residential mortgage underwriting and risk management as well as real estate markets nationally
Demonstrated ability to flourish in a high-volume environment
An ability to quickly assess and make accurate decisions
Commitment to grow as an individual by constantly learning and staying on top of industry changes
Strong working knowledge of all 3 Mortgage Insurer programs and guidelines
Positive attitude and commitment to drive company growth with exceptional customer service strong team collaboration and sound credit decisioning
Employment Type:
Full time with regular working hours - currently remote
What is offered:
They offer competitive pay and perks that include but are not limited to:
Competitive base salary and discretionary incentive pay
Vacation Paid time off and holidays
Competitive benefits package that starts immediately
A fun and welcoming learning environment to help you grow
Working 1-1 with senior management and industry leaders
Training and development catered to your career development needs
Trevor Frances is a specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer permanent job opportunities in many different industries.
Employment Type
Full Time
