What’s in it for you as an employee of QFG?

• Health & wellbeing resources and programs

• Paid vacation, personal, and sick days for work-life balance

• Competitive compensation and benefits packages

• Work-life balance in a hybrid environment with at least 3 days in office

• Career growth and development opportunities

• Opportunities to contribute to community causes

• Work with diverse team members in an inclusive and collaborative environment

We’re looking for our next Residential Mortgage Underwriter. Could It Be You?

The role is responsible for the full credit adjudication process from decisioning mortgage applications based on established lending criteria along with the review and fulfillment of the mortgage conditions. This includes exception management, pricing determinations and documentation review and acceptance all while meeting performance targets and ensuring adherence to service standards.

Need more details? Keep reading…

In this role, responsibilities include but are not limited to:

• Successfully contribute to the Residential Lending results, ensuring growth and profitability targets are being met.

• Maintain knowledge of Community Trust residential mortgage underwriting policies, procedures, and products.

• Negotiate, structure, and evaluate received mortgage applications according to internal policies.

• Manage portfolio risk by exercising consistent, objective and sound credit decisions within authorized limits, escalating with rationale to support recommendation where appropriate.

• Issue mortgage commitments with appropriate conditions.

• Effectively partner with Partner Experience to deliver top of class experience to our partners.

• Work in collaboration with the Credit Quality Assurance and Funding teams to ensure targets are being met.

• Maintain up to date knowledge of the competition, industry trends and market conditions.

• Ensure accurate record keeping and that all records are stored and retained to meet Company standards.

• Identify continuous improvement opportunities.

• Follow AML procedures on all files with an emphasis on “Know Your Client” rules.

• Proactively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage.

• Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.

• Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

• Effectively manage tasks and cases to adhere to predetermined Service Level Agreements

So are YOU our next Residential Mortgage Underwriter? You are if you…

• Minimum of 3 years' experience in residential origination, preferably in the alternative lending space

• Fluency in French preferred

• Post-Secondary Education preferred.

• Working knowledge of Google Workspace applications.

Additional kudos if you…

• Demonstrated ability to provide alternate solutions based on product and guideline availability.

• Demonstrates effective organizational and time management skills.

• Capable of handling multiple tasks and meeting stringent deadlines.

• Tactful, diplomatic, and politely persistent.

• Results oriented.

• Self-motivated, confident, and capable of working both independently and in a team environment.

• Bring a positive, can-do attitude to our organization, using creative solutions to solve problems.

• Establish and build on healthy working relationships with your team and peers.

• Work well in a dynamic and fast paced environment with the ability to navigate through organizational change.

• Committed to providing outstanding customer service.

• Exceptional analytical skills and a keen eye for detail.

• Solid written and verbal business communication skills.

• Strong analytical skills.

• Demonstrates interpersonal and relationship building skills.

• Demonstrates strong negotiation and sales skills.

• Solid understanding of the general characteristics, attributes and risk factors associated with various loan types.

Additional Information…

• This role will support Questbank.

Sounds like you? Click below to apply!

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