Mortgage Consultant

Home Trust Company; Toronto; On-site; CAD 60,000 - 80,000; Full time

Job summary

A leading alternative lender in Canada is seeking a Mortgage Officer for its Toronto Underwriting team. The role involves managing mortgage files, ensuring compliance with company policies, and serving as the primary contact for Mortgage Brokers. The ideal candidate will have a background in business management or finance and experience in the mortgage industry.

Benefits

Three weeks of vacation

Six flex days (sick or personal)

Group Retirement Savings Plan (GRSP) with employer match

Phone plans and gym membership

Toronto Bike Share

Retailer discounts through WorkPerks

Qualifications

• 2 years in an administrative environment, preferably within the mortgage industry.
• Experience in managing mortgage files and ensuring compliance with lending policies.

Responsibilities

• Manage residential mortgage files from commitment letter to funding.
• Ensure all broker conditions are fulfilled and documentation is accurate.
• Act as the main point of contact for Mortgage Brokers.

Skills

Attention to Detail

Customer Service

Analytical Skills

Communication

Education

Post-secondary degree or diploma in business management, finance, or related field

Job description

Come join Home Trust Company as a Mortgage Officer in our Toronto Underwriting team! Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Home Trust is a private company. Base salary, with yearly incentive performance bonus ~ Three (3) weeks of vacation, an additional six (6) flex days (sick or personal) in addition to statutory holidays ~ Group Retirement Savings Plan (GRSP) up to 8% contribution program & employer match ~$phone plans, gym membership, Toronto Bike Share and many retailer discounts offered through WorkPerks ~ The Mortgage Officer is primarily responsible for managing the residential mortgage file from sign back of the commitment letter to funding. The Mortgage Officer will ensure all broker conditions are fulfilled, and that the mortgage file is completed in accordance with company policies and guidelines. This position will drive quality through accuracy and efficiency while ensuring required service levels are achieved. Reviews mortgage files and ensures client documentation, including but not limited to income, (job letter verification and bank statement analysis), down payment and client interviews, meet all Company lending policies and guidelines and are accurate and complete Takes ownership of approved file, analyzes data and is responsible for updating internal records to match received documentation while verifying the file metrics remain within Company guidelines. Notes any discrepancies and provides approval credit rationale as required. Ensures all documents are signed back and received from mortgage brokers within established SLAs. Manages, compiles, reviews and organizes mortgage documentation within established SLAs in a high volume and service-oriented environment Is the main point of contact for Mortgage Brokers (previously the Underwriters were responsible for this) after the commitment letter has been signed back Collects and reviews documentation supplied by client and broker to ensure its authenticity and compliance with all aspects of Home Trust Company’s policies and guidelines per delegated authority matrices and applicable compliance obligations including Underwriting Policies and Lending Guidelines, Privacy, Anti-Money Laundering / Anti-Terrorist Financing, and internal Anti-Fraud Policy requirements Post-secondary degree or diploma, preferably in business management, finance, or related field (university an asset)~2 years in administrative environment preferable within mortgage industry an asset Maintain a positive supportive attitude, help to maintain an inclusive and supportive company culture!

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Mortgage Consultant • Toronto, ON, Toronto Census Division, ON; Ontario, Canada