Fulfillment Officer

FirstOntario Credit Union; Woodstock; Hybrid; CAD 53,000 - 73,000; Full time

Benefits offered by this job

Flex-work environment

Blue Wave Employee Volunteer Program

Employee and Family Assistance Program

Job summary

FirstOntario Credit Union in Woodstock, ON, is seeking a Fulfillment Officer to review and process mortgage documents, ensuring accuracy and regulatory compliance while maintaining exceptional customer service.

The role involves verifying income and financials, coordinating with underwriters, and preparing files for funding. It requires 1–3 years in financial services with a business/economics background, in a hybrid work setting.

Qualifications

• Be adaptable and organized in a fast-paced environment.
• Ability to work under time-sensitive deadlines.
• Knowledge of credit investigation policies and procedures.
• Experience in financial services or mortgage financing preferred.
• Experience with mortgage documentation review.

Responsibilities

• Review and validate mortgage documentation for completeness and accuracy.
• Verify income via LOE, paystubs, T4s, NOA, and related documents.
• Ensure AML guidelines for down payment and closing costs.
• Ensure regulatory and lender compliance and internal policies.
• Collaborate with underwriters and other departments.
• Prepare files for funding and monitor timelines for closing.
• Respond to inquiries by email and phone.
• Communicate with brokers to ensure smooth closings.
• Stay informed on mortgage products, rates, and policies.
• Identify efficiency improvements and implement changes.

Skills

Adaptable

Organized multi-tasker

Work under pressure

Clear written communication

Team player

Time management

Mortgage documentation review

Credit investigation knowledge

Lending platforms proficiency

Education

Business or economics degree/diploma

Tools

Prolender

Job description

Why FirstOntario?

• Top-tier health and wellness benefits, including comprehensive benefits packages, a yearly health spending account and personal spending account
• Enhanced mental health benefits through SunLife and TELUS Health
• Up to $1000 per year towards professional development
• Pension Plan
• Flex-work environment
• Company-wide Employee Volunteer program (Blue Wave Program)
• Employee and Family Assistance Program

Why FirstOntario?

• Competitive compensation packages
• Top-tier health and wellness benefits, including comprehensive benefits packages, a yearly health spending account and personal spending account
• Enhanced mental health benefits through SunLife and TELUS Health
• Exclusive banking benefits
• Up to $1000 per year towards professional development
• Pension Plan
• Flex-work environment
• Company-wide Employee Volunteer program (Blue Wave Program)
• Employee and Family Assistance Program

Job Overview

The Fulfillment Officer is responsible for reviewing, verifying, and processing mortgage documentation to ensure compliance with company policies, regulatory requirements, lender and Insurer guidelines. This role plays a critical part in supporting the mortgage fulfillment process by maintaining accuracy, timeliness, and exceptional customer service.

Role

• Review and validate mortgage documentation for completeness and accuracy.
• Verify income by way of in-depth review of LOE's, paystubs, T4s, Full T1 Generals and NOA's, BFS documentation including Articles of Incorporation and Business Financials
• Verify down payment and closing costs keeping note of AML guidelines
• Ensure compliance with regulatory standards, lender requirements, and internal policies.
• Work collaboratively with Underwriters and various departments and branches
• Prepare and organize files for funding.
• Monitor timelines to ensure prompt processing and closing of mortgage files.
• Respond to inquiries in a professional and timely manner by email and phone
• Communicate with brokers and internal departments and branches to ensure a seamless closing process for the Members
• Keep informed on FCU mortgage products/services, interest rates, lending policies/procedures and other pertinent information
• Identify opportunities for efficiency, recommend improvements, and implement enhanced systems and processes where appropriate
• Consider health & safety as a primary concern to ensure the overall well-being of yourself and others
• Perform other duties as required

Required Skills

• Be adaptable and an organized multi-tasker that thrives in a fast pace, growing work environment
• Ability to work under pressure and with time sensitive deadlines
• Have working knowledge of credit investigation, analysis and related policies and procedures
• Have experience preferably in the financial services/mortgage financing industry
• Have working knowledge of lending platforms; Prolender is considered an asset
• Experience and knowledge of Mortgage Insurance requirements
• Enjoy being a team player, willing to assist other staff as required
• Demonstrate clear written and verbal communication skills
• Have one to three (1-3) years' experience in the financial services industry, specifically in the area of mortgage documentation review
• Have a sound business acumen which you built from the ground up with a post-secondary Degree or Diploma in business or economics or an equivalent combination of education and industry experience

This is a hybrid role in Woodstock, ON.

This posting is for an existing vacancy.

Salary Range: $53,122 to $73,042

Compensation for this role reflects a combination of skills, experience, and internal equity. Those whose experience more closely aligns the role's requirements may be placed higher within the salary range. You will learn more about FirstOntario Credit Union's total rewards package during the interview process.

We're actively seeking diverse backgrounds and perspectives to help make FirstOntario better. At FirstOntario, inclusion, diversity, and equity aren't just "nice to have" - they're essential to our success. Our inclusive work environment welcomes diversity and supports accessibility. If you require accommodation at any time during the recruitment process, please let us know.