Agent des prêts hypothécaires, Bilingue / Residential Mortgage Officer, Bilingual
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Job Location:
Monthly Salary:
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
Joignez-vous la Banque Qui Dfie
tre une banque traditionnelle nest tout simplement pas notre genre. Alors nous relevons le dfi de faire preuve de crativit en offrant des solutions bancaires novatrices aux Canadiens.
Comment Avec une quipe talentueuse de challengers curieux qui savent sadapter et remettre en question le statu quo. Si redfinir lavenir des services bancaires vous tient cur et que vous souhaitez le faire en ayant du plaisir cette occasion pourrait tre idale pour vous.
Notre entreprise continue de crotre : nous servons aujourdhui plus de 670 000 personnes au Canada par lentremise de la Banque quitable La Banque Qui Dfie du Canada et nous existons depuis plus de 50 ans. La filiale en proprit exclusive de la Banque quitable la Banque Concentra appuie les coopratives de crdit du Canada qui servent plus de six millions de membres. Ensemble nous avons plus de 125 milliards de dollars dactifs sous gestion et administration combins avec la mission claire de stimuler lvolution des services bancaires canadiens pour enrichir la vie des gens. Notre plateforme numrique Banque EQ ( remporte la faveur de nos clients qui nous devons notre place parmi les meilleures banques du Canada sur la liste des meilleures banques au monde de Forbes depuis 2021.
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 across Canada through Equitable Bank Canadas Challenger Bank and have been around for more than 50 years. Equitable Banks wholly-owned subsidiary Concentra Bank supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in 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 Residential Mortgage Officer is responsible for maintaining and updating mortgage files from the commitment approval stage to the time the loan is funded. This mainly includes the reviewing of files correspondence with mortgage brokers to request outstanding documents and the adjudication of documents as per FINTRAC internal AML/ATF guidelines and EQB policies and procedures. The Residential Mortgage Officer also plays an integral role in the mitigation of fraud within the Single Family Residential Department.
Ce poste est une partie essentielle de notre quipe Prts hypothcaires rsidentiels traditionnels. Vous serez responsable de la tenue et de la mise jour des dossiers hypothcaires de ltape o lengagement est mis jusquau moment o lavocat ou le notaire reoit ses instructions.
The Work ! Le Travail !
- On a daily basis the incumbent will obtain and review required documentation with a strong emphasis on anti-money laundering (AML) and anti-terrorist financing (ATF) requirements including but not limited to income down payment verification and client interviews. The incumbent will ensure that documentation adheres to corporate guidelines and will mitigate any concerns surrounding suspected misrepresentation when required. (35%)
- On a daily basis the incumbent will strive to ensure that mortgage files are in compliance with the Companys established lending policies and procedures as well as ensuring that legal AML and ATF requirements have been satisfied. (35%)
- On a daily basis the incumbent is responsible for time management of their deal flow in order to meet prescribed deadlines. Day-to-day the incumbent will make diligent use of reports to track and manage the flow of all deals funding for their team. (15%)
- On a daily basis the incumbent will communicate with internal contacts (underwriters managers administrators and mortgage sales staff) and external contacts (mortgage brokers and clients) to ensure transactions are processed in a timely and efficient manner in order to meet tight deadlines. The incumbent will provide the highest level of internal and external customer service while fielding mortgage broker and client inquiries. (10%)
- On a daily basis the incumbent will monitor changes to deals and update files as required. The incumbent must send correspondence to the appropriate parties apprising them of changes. The incumbent must also ensure that Quality Assurance requirements and Compliance review queries are dealt with in a timely and accurate manner. (5%)
- Obtenir la documentation requise et en vrifier lexactitude et la lgitimit en mettant fortement laccent sur les exigences relatives la lutte contre le blanchiment dargent et le financement des activits terroristes.
- Veiller ce que les dossiers hypothcaires soient conformes aux politiques et procdures de prt tablies par la Socit et les assureurs de prts hypothcaires et veiller ce que les exigences juridiques et de lutte contre le blanchiment dargent et le financement des activits terroristes soient respectes.
- Grer votre flux daffaires afin de respecter les dlais prescrits et faire un usage diligent des rapports pour suivre et grer le flux de toutes les oprations de financement pour votre quipe.
- Communiquer avec des contacts internes (souscripteurs gestionnaires administrateurs et personnel de vente de prts hypothcaires) et externes (courtiers hypothcaires clients et assureurs de prts hypothcaires) afin de sassurer que les transactions sont traites en temps opportun et efficacement dans le but de respecter les niveaux de service convenus tout en offrant un service la clientle de qualit suprieure.
- Surveiller les changements apports aux oprations et mettre jour les dossiers au besoin communiquer avec les parties concernes pour les informer des changements et sassurer que les exigences relatives lassurance de la qualit et les demandes dexamen de la conformit sont traites en temps opportun et avec exactitude.
- Aider les autres membres de lquipe afin de sassurer que lquipe respecte les niveaux de service convenus.
Lets Talk About You ! Parlons de Vous !
- Completion of a post-secondary degree preferably in a financial field
- 1-2 years mortgage experience in the alternative mortgage market
- Sound thinker with the ability to multi-task; ability to handle multiple competing priorities
- Excellent attention to detail
- Ability to grasp AML & ATF practices
- Established and meticulous organizational skills
- Excellent time management analytical and problem solving skills
- Ability to make complex decisions under pressure
- Proven ability to thrive in a constantly changing environment and to perform well in a high volume high intensity environment
- Highly developed verbal and written communication skills with the ability to respond in a clear concise and professional manner
- Committed to providing superb customer service
- Proficiency in MS Office (mainly MS Word and Excel)
- Detailed knowledge of mortgage funding and quality assurance processes
- Ability to comprehend and assess documentation relating to mortgage down payment and borrower income confirmation
- Mindful awareness of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation when required
- The incumbent will be required to have knowledge of the English language in order to: service English speaking customers all across Canada as part of their job liaise with English speaking colleagues and managers who are located outside of Quebec to conduct their job and utilize essential resources for their job in departments which operate exclusively out of Equitables head office in Toronto.
- Solide capacit rflchir et mener plusieurs tches de front
- Excellent souci du dtail
- Capacit de suivre les pratiques de lutte contre le blanchiment dargent et le financement des activits terroristes
- Connaissance de base des programmes et des exigences de prt des assureurs de prts hypothcaires
- Excellentes comptences en gestion du temps et capacit de travailler sous pression
- Solides comptences en communication crite et orale
- Capacit dtablir des relations tous les niveaux
- Fiert offrir un excellent service la clientle
- Au moins unan dexprience dans le domaine des prts hypothcaires de prfrence sur le march des prts hypothcaires traditionnels
- Matrise de MicrosoftOffice (Word et Excel)
- Diplme dtudes postsecondaires de prfrence dans un domaine financier
- Connaissance approfondie du financement hypothcaire et du processus dassurance de la qualit un atout certain
- Le titulaire du poste devra avoir une connaissance de la langue anglaise lui permettant de servir des clients anglophones partout au Canada dans le cadre de son travail dassurer la liaison avec des collgues et des gestionnaires anglophones qui travaillent hors du Qubec et dutiliser des ressources essentielles pour son travail au sein de services qui exercent leurs activits exclusivement depuis le sige social de la Banque quitable Toronto.
Ce que nous offrons pour les postes permanents temps plein
Prime discrtionnaire concurrentielle
Programme de jumelage de REER de premier plan sur le march
Soins mdicaux dentaires de la vue assurances vie et invalidit
Rgime dachat dactions des employs
Prestations complmentaires pour cong de maternit ou parental pendant que vous prenez soin de votre enfant
Politique de vacances gnreuse et jours personnels
Activits virtuelles pour tablir des liens avec vos collgues
Allocation annuelle de perfectionnement professionnel et un programme complet de perfectionnement professionnel
Une occasion enrichissante de rejoindre lune des FinTechs et de contribuer crer un nouveau type dexprience bancaire
What we offer For full-time permanent roles
Competitive discretionary bonus
Market leading RRSP match program
Medical dental vision life and disability benefits
Employee Share Purchase Plan
Maternity/Parental top-up 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
La Banque quitable est profondment engage en faveur de linclusion. Notre organisation est plus forte et nos employs spanouissent lorsque nous honorons et clbrons les expriences et les points de vue diversifis de chacun. Paralllement cet engagement nous appuyons et encourageons nos employs spanouir non seulement dans leur cheminement de carrire mais aussi sur le plan personnel.
Nous nous engageons offrir un processus de recrutement et un milieu de travail sans obstacle tous les candidats. Veuillez nous faire part de toute mesure dadaptation ncessaire pour que vous puissiez donner le meilleur de vous-mme dans le processus de demande demploi et par la suite.
Nous avons hte de vous connatre!
Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyones diverse experiences and 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 barrier-free 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
Key Skills
- Administrative Skills
- Time Management
- Diplomatic Skills
- Listening Skill
- Languages Fluency
- Organizational Skill
- Pressure Management
- Discipline Skills
- Communication
- Relationship Management
- Client Services
- Flexibility
- IT Skill
- Orderly Condition
- Secretarial Skill
