Bilingual Underwriter

Haventree Bank; Quebec; On-site; CAD 65,000 - 90,000; Full time

Job summary

Haventree Bank is seeking a Mortgage Underwriter to evaluate residential mortgage applications, review documents, and guide loans from application to completion. You’ll assess the 5 C's of credit and apply HTB guidelines, ensuring timely condition fulfillment and strong broker relationships.

The role requires a university degree or equivalent experience and a minimum of 3 years underwriting in residential mortgage lending, with B20/AML/KYC knowledge and strong communication skills.

Qualifications

• University degree or equivalent experience required.
• 3+ years of underwriting experience in residential mortgage lending.
• Strong knowledge of B20, AML and KYC regulations and related legislation.
• Proven ability to clearly communicate with mortgage brokers and manage relationships.

Responsibilities

• Pipeline management to ensure documentation is received on time.
• Assess up to 4 mortgage applications per day and evaluate broker documents.
• Recommend/approve mortgage applications per the 5 C's of credit and HTB guidelines.
• Fulfill conditions and communicate remaining items with brokers within SLA.
• Collaborate with Originations to meet/exceed targets.
• Stay informed of current industry guidance including B20, AML and KYC.

Skills

Mortgage underwriting

B20 knowledge

AML/KYC knowledge

Broker communication

Time management

Education

University degree or equivalent

Tools

Microsoft Outlook

Excel

Word

Delta 360

Job description

Haventree Bank is a Schedule I Canadian bank dedicated to advancing financial security and upward mobility for Canadians underserved by traditional financial services. Through our broker-distributed alternative mortgage and GIC solutions, as well as our growing digital banking platform, we provide straightforward products that support long-term financial well-being and meaningful growth.

As a CDIC-insured, federally regulated bank, we offer the trust and stability of a traditional financial institution while embracing the innovation and customer-first mindset of a modern digital bank.

If you're looking for a place where your work has a direct impact, your ideas are valued, and innovation is encouraged, Haventree Bank is the place for you.

Position Summary

Reporting to the Director Mortgage Originations, the Mortgage Underwriter is responsible for recommending customer's mortgage applications. Including in-depth analysis of document review and managing loan from application to completion stage.

Major Duties & Responsibilities

• Effective "pipeline management" to ensure documentation is received on time.
• Assesses up to 4 mortgage applications per day. Evaluating broker's documentation and recommending/approving mortgage applications by assessing the 5 C's of credit including credit, capacity, capital, character and collateral within established HTB guidelines.
• Fulfills all conditions required and communicates remaining conditions with the brokers within SLA.
• Provides excellent customer service, including efficient turnaround time to brokers, while building and maintaining positive working relationships.
• Works in collaboration with the Originations unit to ensure targets are being met and exceeded.
• Stays informed of the latest industry knowledge including: B20, AML (Anti-Money Laundering) and KYC (Know Your Customer) legislation.

Qualifications & Experience

Degrees, Diplomas & Certifications

• The position requires a university degree or equivalent experience.

Years and Range of Experience Required to Perform the Job

• The position requires at least 3 years experience underwriting in the residential mortgage lending industry, preferably in the Near prime and Alt B business.
• A strong understanding of residential mortgage review, regulatory legislation (B20, AML and KYC) and the proven ability to make sound underwriting decisions.
• Proven ability to clearly communicate with mortgage brokers; maintain successful relationships that include negotiation and sales skills.
• Strong organization, time management and multi-tasking skills.
• Comfortable using Microsoft Outlook, Excel, Word, underwriting and servicing software platforms or Delta 360.
• Bilingualism in written and spoken French is mandatory

While we thank everyone for their interest in Haventree Bank, please note that only candidates selected for an interview will be contacted. Haventree Bank is committed to providing accommodation when needed. If you require an accommodation, we will work with you to meet your needs.

Haventree Bank embraces equal opportunity, diversity, and inclusion. Please let us know if you require any accommodations during the recruitment and selection process by contacting [e-mail]