Credit Quality Analyst (Bilingual)

Peoples Trust; Vancouver; Hybrid; CAD 65,000 - 75,000; Full time

Job summary

Peoples Trust is seeking a Credit Quality Assurance professional to ensure compliance in mortgage processes. Ideal candidates will possess a post-secondary degree and a minimum of three years in a similar role, with strong communication skills in both French and English. This hybrid position balances in-office and remote work, fostering a supportive environment focused on employee well-being and professional growth.

Benefits

Competitive salaries with profit sharing

Generous paid time off

RRSP matching

Flexible work hours

A strengths-based approach

Qualifications

• 3+ years in Credit Quality Assurance/Auditing in financial services.
• Excellent communication skills in French and English.
• Good knowledge of KYC and AML/ATF.

Responsibilities

• Complete daily pre-funding audits to meet compliance.
• Communicate with stakeholders to resolve issues.
• Monitor the deal pipeline proactively.

Skills

Critical thinking

Attention to detail

Analytical skills

Communication (English and French)

Education

Post-secondary degree

Tools

MS Excel

Job description

We are hiring for this position out of our Vancouver office. Successful candidates who apply outside of these areas will be expected to relocate and reside in a location that is within a commutable distance.

Role Overview :

The role is primarily focused on the completion of daily pre-funding credit quality reviews of single family residential mortgages to ensure adherence to Peoples Group’s (PG) policies, procedures, default insurer and regulatory requirements. This includes close collaboration with the internal mortgage underwriting team and other stakeholders on any identified file issues for successful and timely resolution. The individual proactively monitors the daily deal pipeline, reprioritizes file reviews, as necessary, and produces daily pipeline reporting to management.

A key aspect of the role involves daily use of MS Excel to accurately record and score all files reviewed including clear coach-back notes on any non-critical errors to avoid repetition. This supports the production of accurate and valuable monthly management reporting to all stakeholders. The position also includes following up on and tracking EDD Head's Up Fraud Alerts received from default insurers. The individual is also responsible for performing a variety of monthly, quarterly and ad hoc sample post-funding audits, as assigned.

Qualifications :

• Brings a minimum of 3+ years of experience in a Credit Quality Assurance / Auditing role within the financial services industry in Canada.
• Excellent communication skills, both written and verbal in both French and English.
• Post-secondary degree.
• Strong critical thinking, attention to detail and analytical.
• Demonstrated understanding of credit guidelines and compliance requirements for residential mortgage lending.
• Good knowledge of mortgage markets, lending products and consumer laws in Canada.
• Experience in working with both internal and external partners to complete assigned tasks on time and proactively provide feedback on any issues identified.
• Good working knowledge of KYC and AML / ATF.
• Strong computer skills, including MS Products, with intermediate to advanced capabilities in Excel as well as Lending Operating Systems.
• Ability to work as a supportive team player.
• Experience in procedure writing is an asset.

Day-to-Day Responsibilities :

• Timely completion and accurate recording of daily pre-funding audits to ensure adherence to Peoples Group's policies & procedures, default insurer and regulatory requirements.
• Communicate clearly and promptly with the underwriter and other stakeholders on identified issues to resolve them successfully
• Proactive monitoring of deal pipeline..
• Ensure KYC, AML / ATF procedures and documentation are fully compliant.
• Track EDD Head's Up Fraud Alerts received from Mortgage Insurers.
• Perform a variety of sample post-funding audits, as assigned.
• Provide clear coaching notes to underwriters on the monthly audit report with regards to any non-critical errors to avoid repetition.
• Maintain a current understanding of Peoples Group's policies, procedures, and regulatory requirements.
• Identify gaps in processes and recommend improvements.

About us :

Peoples Group is a boutique financial institution with offices located in Vancouver, Calgary, Toronto, and Montreal that has been in the Canadian marketplace for over 35 years. Our mission is to exceed our customers' expectations by providing exceptional customer service backed by extensive product knowledge and experience.

Our culture here at Peoples Group is formed by our values : Trustworthy, Creative, Willing. We believe people don't choose a company to work for, they choose a company to join. We prioritize risk-based practices and procedures in order to remain risk intelligent and compliant. We value people, building relationships, and focusing on strengths; we execute with passion.

About the work environment :

Peoples Group offers a flexible and hybrid work environment. In this role you will work a combination of in-office and remotely from home. Typically, you'll be working regular business hours, Monday to Friday between 8 : 00am and 4 : 30pm with flexibility around start / end times.

We offer :

• A hybrid work environment, enabling you to balance your personal and professional life seamlessly.
• Competitive salaries, profit sharing, RRSP matching and benefits from day one.
• Generous paid time off to help achieve a healthy work-life balance.
• A strengths-based approach, ensuring we work together more effectively.
• A commitment to your well-being in five key areas : Financial, Physical, Social, Career, and Community.

Compensation :

Peoples Group is pleased to offer employees a competitive annual salary plus a discretionary profit share opportunity. Salary for this position will vary between $65,000 and $75,000 per year depending on the knowledge, skills, abilities and experience that the chosen candidate possesses.

NOTE : This job posting is for an existing vacancy. Peoples Group is an Equal Employment Opportunity employer. Please accept our utmost appreciation for your interest; however, only those applicants under consideration will be contacted.

We value and celebrate individuality while fostering an inclusive workplace for everyone. If there's any way we can support or accommodate you during the selection process, please don't hesitate to let us know.

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