Bilingual Mortgage Fulfillment Specialist

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

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.