Small Commercial, Mortgage Officer

Come join Home Trust Company as a Mortgage Officer, Small Commercial in our Commercial Lending team!

Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people.  Home Trust is a private company.

FIRST THING – WHAT YOU NEED TO SUCCEED?
We are looking for individuals who are dedicated, passionate, and driven to execute with excellence!

ABOUT THE ROLE: 

The Mortgage Officer, Small Commercial Underwriting will assist commercial originations with the completion of commercial mortgage files in accordance with Company policies and guidelines. This position will drive quality, through accuracy and efficiency while ensuring required service levels are achieved.

In addition: 

• Review, analyze and verify mortgage documentation/application for completeness, accuracy, suitability and risk to ensure compliance with all aspects of Home Trust Company’s underwriting policies, procedures and guidelines per delegated authority matrices

• Adhere to applicable compliance obligations including Privacy, Anti-Money Laundering/Anti-Terrorist Financing and internal Anti-Fraud Policy requirements must remain the over-arching focus in carrying out one’s responsibilities

• File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity

• Maintain consistent, objective and sound risk assessments in a high volume, service-oriented environment

• Review mortgage files to ensure client documentation meets all Company lending policies, guidelines and procedures

• Ensure the information recorded in the SAM system for all commercial mortgages is consistently accurate and complete

• Manage, compile, review and organize mortgage documentation on a timely basis in a high volume and service-oriented environment

• Maintain clean OSFI and Internal Audit reports

• Manage and remediate all internal audit and other audit findings as required

• Maintain a pipeline of all transactions and a list & file of all transactions amended or declined or approved

• Instruct files to solicitors and conduct daily follow-up with brokers to ensure all required documentation has been submitted

• Work closely with Small Commercial Underwriting to ensure file completeness

• Assist with special projects or other new initiatives as needed

• Adhere to defined Service Level Agreement in acknowledging applications and following up on additional required information

• Work effectively with all internal business partners to improve underwriting systems to maximize effectiveness and achieve excellence

• Remain current on latest developments within industry and market trends to secure competitive advantage

WHAT WE REQUIRE:

• Authorized to work in Canada

• Great communication skills

• Post-secondary degree or diploma, preferably in business management, finance, or related field (university an asset)

• Post-secondary degree or diploma in related area or discipline; University degree an asset

• Additional relevant accreditation(s), certification(s) are strong assets

• 2 years in administrative environment preferably within mortgage industry an asset

• Strong organizational, time-management and analytical skills

• Strong interpersonal relationship building and listening skills

• Proven ability to work both independently and collaboratively within a team environment

• Good listener, effective written / verbal communication, and professional maturity

• Experience reviewing and adjudicating commercial mortgage applications.

Expected salary range is $55,000 to $66,000 per year. 

This posting is for an existing vacancy within our organization.  

Artificial intelligence may be used in parts of the recruitment process. 

Learn more: https://www.fairstone.ca/en/about/canadian-lender

Follow us on LinkedIn: https://www.linkedin.com/company/fairstone/mycompany/

If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application.

Fairstone is an equal opportunity employer. Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.

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