Souscripteur hypothécaire, Bilingue Residential Mortgage Underwriter, Bilingual
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Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
Joignez-vous à la Banque Qui Défie
Être une banque traditionnelle nest tout simplement pas notre genre. Alors nous relevons le défi de faire preuve de créativité en offrant des solutions bancaires novatrices aux Canadiens.
Comment Avec une équipe talentueuse de challengers curieux qui savent sadapter et remettre en question le statu quo. Si redéfinir lavenir des services bancaires vous tient à cœur et que vous souhaitez le faire en ayant du plaisir cette occasion pourrait être idéale pour vous.
Notre entreprise continue de croître : nous servons aujourdhui plus de 670 000 personnes au Canada par lentremise de la Banque Équitable La Banque Qui Défie du Canada et nous existons depuis plus de 50 ans. La filiale en propriété exclusive de la Banque Équitable la Banque Concentra appuie les coopératives de crédit du Canada qui servent plus de six millions de membres. Ensemble nous avons plus de 125 milliards de dollars dactifs sous gestion et administration combinés avec la mission claire de stimuler lévolution des services bancaires canadiens pour enrichir la vie des gens. Notre plateforme numérique Banque EQ ( remporte la faveur de nos clients à 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 Mortgage Underwriter is responsible for negotiating recommending declining and in some instances approving mortgage applications within established guidelines to be secured by new or existing real estate. This must be done as efficiently as possible while exercising sound lending judgment and without compromising service and profitability.
The mortgage underwriter is responsible for negotiating recommending evolving and in some cases approving mortgage applications according to established guidelines. These applications must be secured by new or existing real estate. This must be done in the most efficient manner possible while exercising sound lending judgment and without compromising service and profitability.
The Work ! Le Travail !
- On a daily basis review received mortgage applications along with supporting documentation and negotiate terms with the mortgage broker decline the applications recommend the applications for approval and in some instances approve the applications. Ensure that approved deals close as scheduled and as efficiently as possible by following up on outstanding conditions/documents and ensuring compliance with established guidelines. (50%)
- Follow up with brokers on a daily basis on issued mortgage commitments to ensure the efficient closing of mortgage files. (20%)
- On a daily basis provide the highest level of internal and external customer service while fielding mortgage broker inquiries and maintaining broker relationships. (20%)
- On a daily basis provide underwriting expertise to mortgage brokers clients and co-workers and maintain an up to date knowledge of company policies procedures and products. (10%)
- Review incoming mortgage applications and supporting documentation daily and negotiate terms with the mortgage broker decline applications recommend approval of applications and in some cases approve them. Ensure approved applications are closed within the expected timeframe and in the most efficient manner possible by following up on outstanding conditions/documents and ensuring compliance with established guidelines. (50%)
- Monitor daily mortgage commitments with brokers issued to ensure efficient closing of mortgage files. (20%)
- Provide the highest level of service to internal and external customers daily while responding to mortgage broker inquiries and maintaining relationships with them. (20%)
- Provide underwriting expertise to mortgage brokers clients and colleagues daily and maintain up-to-date knowledge of company policies procedures and products. (10%)
Lets Talk About You ! Parlons De Vous !
- Sound thinker with the ability to multi-task
- Excellent attention to detail
- Sound knowledge of AML & ATF practices
- Established and meticulous organizational skills
- Excellent time management analytical and problem solving skills
- Ability to make 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
- Displays pride in providing superb customer service
- 2 years mortgage experience in the alternative mortgage market
- Proficiency in MS Office (mainly MS Word and Excel)
- Completion of a post-secondary degree preferably in a financial field
- Knowledge of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation is 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.
- Strong ability to think on your feet and multitask
- Excellent attention to detail
- Solid knowledge of anti-money laundering (AML) and counter-terrorist financing (CTF) practices.
- Established and rigorous organizational skills
- Excellent time management analytical and problem-solving skills
- Ability to make decisions under pressure.
- Proven ability to thrive in a constantly changing environment and work effectively in a high intensity high volume environment
- Excellent oral and written communication skills and the ability to respond in a clear concise and professional manner
- Pride in providing excellent customer service
- At least two years of experience in the alternative mortgage market
- Proficiency in Microsoft Office (Word and Excel)
- Post-secondary degree preferably in a financial field
- Knowledge of the risk of fraud in the mortgage industry and ability to address concerns regarding suspected misrepresentations
- The incumbent must have knowledge of the English language enabling him/her to serve English-speaking clients across Canada in the course of his/her work to liaise with English-speaking colleagues and managers who work outside Quebec and to use resources essential to his/her work within departments that operate exclusively from the Equitable Bank head office in Toronto.
Ce que nous offrons pour les postes permanents à temps plein
Prime discrétionnaire concurrentielle
Programme de jumelage de REER de premier plan sur le marché
Soins médicaux dentaires de la vue assurances vie et invalidité
Régime dachat dactions des employés
Prestations complémentaires pour congé de maternité ou parental pendant que vous prenez soin de votre enfant
Politique de vacances généreuse et jours personnels
Activités virtuelles pour établir des liens avec vos collègues
Allocation annuelle de perfectionnement professionnel et un programme complet de perfectionnement professionnel
Une occasion enrichissante de rejoindre lune des FinTechs et de contribuer à créer un nouveau type dexpérience 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 Équitable est profondément engagée en faveur de linclusion. Notre organisation est plus forte et nos employés sépanouissent lorsque nous honorons et célébrons les expériences et les points de vue diversifiés de chacun. Parallèlement à cet engagement nous appuyons et encourageons nos employés à sépanouir non seulement dans leur cheminement de carrière mais aussi sur le plan personnel.
Nous nous engageons à offrir un processus de recrutement et un milieu de travail sans obstacle à tous les candidats. Veuillez nous faire part de toute mesure dadaptation nécessaire pour que vous puissiez donner le meilleur de vous-même dans le processus de demande demploi et par la suite.
Nous avons hâte de vous connaître!
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!
Key Skills
- Loan Processing
- Time Management
- Microsoft Office
- Credit Analysis
- Fraud
- Math
- Risk Analysis
- Banking
- Analysis Skills
- Fair Housing Regulations
- Underwriting
- Data Analysis Skills
