Bilingual Mortgage Fulfillment Officer

Scotiabank; Toronto; On-site; CAD 55,000 - 75,000; Full time

Benefits offered by this job

Bonus

Flexible vacation

Personal days

Sick days

Benefits start day one

Job summary

Scotiabank in Toronto is seeking a Mortgage Fulfillment Officer to manage applications from acceptance through funding, ensuring accuracy and compliance. You will collaborate with brokers, lawyers, and branches to keep funding on track.

The role requires bilingual English/French, a post-secondary degree, and mortgage industry knowledge. You will navigate multiple bank systems and uphold regulatory standards while delivering exceptional service.

Qualifications

• Fluency in English and French is required.
• Post-secondary degree (asset).
• Minimum 1 year mortgage industry experience (preferred).
• Knowledge of Scotiabank’s mortgage products, policies, and procedures (asset).
• Familiarity with Bank systems: SMART Funding, Term Lending System, KS (Visa), MIMS, Workflow, CIS (asset).
• Understanding of Broker, Home Financing Advisor, and eHOME mortgage delivery strategy (asset).
• Basic computer skills (Microsoft Office, Adobe).
• Ability to multi-task and meet strict deadlines in a fast-paced environment.
• Strong organizational, prioritization, and communication skills (written & verbal).
• Excellent customer service and problem-solving skills.
• Ability to work independently and collaboratively.
• Openness to feedback and commitment to team culture.

Responsibilities

• Process & Fund Mortgage Applications from acceptance to funding.
• Prioritize and complete assigned applications within SLA with high accuracy.
• Prepare and forward instructions to lawyers, vendors, and branches.
• Review and upload funding documents, verify solicitor-provided forms, and ensure compliance.
• Handle documentation for PCA, payout/transfer requests, MPA, bridge loans, and refinances.
• Maintain accuracy across Bank systems (SMART Funding, MIMS, TLS, CIS, KS, IRIS).
• Disburse funds correctly and prepare posting worksheets for accounting.
• Resolve issues (title defects, missing info, system errors) and elevate when needed.
• Provide backup support to other MFOs and recommend process improvements.
• Build relationships with BRMs, BLMs, HFLMs, branches, solicitors, and vendors.
• Respond promptly to inquiries and resolve funding exceptions.
• Manage pipeline deals in MIMS and SMART notifications to avoid delays.
• Share product knowledge and policy guidance with partners.
• Adhere to all regulatory, documentation, and KYC requirements.
• Maintain confidentiality and cyber security awareness.
• Escalate non-compliance or unusual transactions promptly.
• Verify lawyers’ standing and update records as needed.

Skills

Bilingual English/French

Strong communication skills

Multi-tasking ability

Independent and collaborative work

Education

Post-secondary degree

Tools

SMART Funding

MIMS

TLS

KS (Visa)

CIS

IRIS

Workflow

Job description

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Mortgage Operations, RESL provides specialized underwriting and processing services to Brokers, Home Financing Advisors, and eHOME customers.

What you will be doing:

As a Mortgage Fulfillment Officer (MFO), you’ll manage assigned mortgage applications from acceptance to funding, ensuring accuracy, compliance, and timely completion. In 2024, our team funded approximately 78,000 mortgage applications – join us and make an impact!

Is this role right for you?

In this role, you will:

Process & Fund Mortgage Applications

• Prioritize and complete assigned applications within SLA with high accuracy.
• Prepare and forward instructions to lawyers, vendors, and branches.
• Review and upload funding documents, verify solicitor-provided forms, and ensure compliance.
• Handle documentation for PCA, payout/transfer requests, MPA, bridge loans, and refinances.
• Maintain accuracy across Bank systems (SMART Funding, MIMS, TLS, CIS, KS, IRIS).
• Disburse funds correctly and prepare posting worksheets for accounting.
• Resolve issues (title defects, missing info, system errors) and elevate when needed.
• Provide backup support to other MFOs and recommend process improvements.

Deliver Exceptional Service

• Build strong relationships with Broker Relationship Managers (BRMs), Broker Lending Managers (BLMs), Home Financing Lending Managers (HFLMs), branches, solicitors, and vendors.
• Respond promptly to inquiries and resolve funding exceptions.
• Manage pipeline deals in MIMS and SMART notifications to avoid delays.
• Share product knowledge and policy guidance with partners.
• Adhere to all regulatory, documentation, and KYC requirements.
• Maintain confidentiality and cyber security awareness.
• Escalate non-compliance or unusual transactions promptly.
• Verify lawyers’ standing and update records as needed.

Do you have the skills that will enable you to succeed in this role?

We'd love to work with you if you have:

• Fluency in both English and French is required.
• Post-secondary degree (asset).
• Minimum 1 year mortgage industry experience (preferred).
• Knowledge of Scotiabank’s mortgage products, policies, and procedures (asset).
• Familiarity with Bank systems: SMART Funding, Term Lending System, KS (Visa), MIMS, Workflow, CIS (asset).
• Understanding of Broker, Home Financing Advisor, and eHOME mortgage delivery strategy (asset).
• Basic computer skills (Microsoft Office, Adobe).
• Ability to multi-task and meet strict deadlines in a fast-paced environment.
• Strong organizational, prioritization, and communication skills (written & verbal).
• Excellent customer service and problem-solving skills.
• Ability to work independently and collaboratively.
• Openness to feedback and commitment to team culture.

What's in it for you?

• Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank. We embrace diversity and provide opportunities for all employees to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans.
• Accessibility and Workplace Accommodations - We value the unique skills and experiences each individual brings to the Bank and are committed to creating and maintaining an inclusive and accessible environment for everyone. Scotiabank continues to locate, remove, and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements.
• Upskilling through online courses, cross-functional development opportunities, and tuition assistance.
• Competitive Rewards program including bonus, flexible vacation, personal, sick days, and benefits will start on day one.
• Community Engagement - no matter where you choose to work from; we offer opportunities for community engagement & belonging with our various programs such as hackathons, contests, cooking with friends, Humans of Digital and much more!

Location(s): Canada : Ontario : Toronto

Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.

At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know.

We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.