Mortgage Fulfillment Specialist

Questrade Financial Group; Toronto; Hybrid; CAD 55,000 - 70,000; Full time

Benefits offered by this job

Health & wellbeing resources

Paid vacation

Hybrid environment

Career growth opportunities

Job summary

Questrade Financial Group seeks an Associate Residential Mortgage Underwriter to support portfolio growth with a focus on operational and service excellence. This role ensures mortgage documentation is reviewed, verified, and completed in compliance with credit policies and AML requirements.

You will update applications, maintain underwriting knowledge, and collaborate with funding teams to ensure timely closings while delivering top-tier service to partners.

Qualifications

• Ability to provide alternate solutions based on product and guideline availability.
• Capable of handling multiple tasks and meeting stringent deadlines.
• Strong written and verbal business communication skills.
• Solid analytical skills and keen attention to detail.
• Experience in mortgage lending or customer service is advantageous.

Responsibilities

• Contribute to Residential Lending results, meeting growth and profitability targets.
• Review mortgage documentation for completeness and accuracy per Questbank policies and AML requirements.
• Update mortgage applications to reflect provided documentation and lending authority.
• Maintain knowledge of residential mortgage underwriting policies, procedures and products.
• Instruct files to FCT and coordinate with Residential Funding for timely closings.
• Communicate with internal contacts to ensure service levels are met.
• Ensure mortgage statuses are accurate and communicated appropriately.
• Identify continuous improvement opportunities and AML risk considerations.

Skills

Alternate solutions

Multi-tasking

Results oriented

Self-motivated

Team player

Customer service

Negotiation skills

Analytical skills

Job description

Questrade Financial Group (QFG), through its companies - Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti, provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. We use cutting-edge technology to help Canadians become much more financially successful and secure.

At QFG, we combine human-centric collaboration with AI-driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shaping a future where AI empowers our teams to do their best work.

Join our diverse, inclusive, and hybrid workplace to unleash your creativity and nurture your curiosity without limits. If you share this sense of infinite possibility, come shape your future at QFG.

What’s in it for you as an employee of QFG?

• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days for work-life balance
• Competitive compensation and benefits packages
• Work-life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment

This job posting is for an existing vacancy.

We’re looking for our next Mortgage Fulfillment Specialist. Could It Be You?

The Associate Residential Mortgage Underwriter is responsible for successfully supporting overall portfolio growth in an environment focused on operational and service excellence. This role is responsible for ensuring documentation relating to mortgage files are reviewed, verified, and completed in compliance with established credit policies, while adhering to service standards.

In this role, responsibilities include but are not limited to:

• Successfully contribute to the Residential Lending results, ensuring growth and profitability targets are being met.
• Review mortgage documentation to ensure each document is complete and accurate based on Questbank’s credit policies, procedures, and anti-money laundering requirements.
• Update mortgage applications to accurately reflect documentation provided and ensure the application continues to meet their lending authority.
• Maintain knowledge of Questbank residential mortgage underwriting policies, procedures and products.
• Instruct files to FCT and work together with Residential Funding to ensure timely closings.
• Communicate with internal contacts to ensure service level standards are met and foster positive relationships.
• Ensure mortgage statuses are accurate and communicated appropriately.
• Effectively partner with Mortgage Advisory (Alt‑​-???) to deliver top of class experience to our partners.
• Work in collaboration with the Credit Quality Assurance and Funding teams to ensure targets are being met.
• Learn the company’s business practices, organizational structure and general policies and procedures.
• Ensure accurate record keeping and that all records are stored and retained to meet Company standards.
• Identify continuous improvement opportunities.
• Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
• Proactively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
• Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.
• Effectively manage tasks and cases to adhere to predetermined Service Level Agreements.

So are YOU our next Mortgage Fulfillment Specialist? You are if you have…

• Demonstrated ability to provide alternate solutions based on product and guideline availability.
• Capable of handling multiple tasks and meeting stringent deadlines.
• Tactful, diplomatic, and politely persistent.
• Results oriented.
• Self-motivated, confident, and capable of working both independently and in a team environment.
• Bring a positive, can-do attitude to our organization, using creative solutions to solve problems.
• Establish and build on healthy working relationships with your team and peers.
• Work well in a dynamic and fast paced environment with the ability to navigate through organizational change.
• Committed to providing outstanding customer service.
• Demonstrates interpersonal and relationship building skills.
• Solid understanding of the general characteristics, attributes and risk factors associated with various loan types.
• Demonstrates strong negotiation and sales skills.
• Solid written and verbal business communication skills.
• Strong analytical skills.
• Demonstrates effective organizational and time management skills.
• Solid written and verbal business communication skills.
• Exceptional analytical skills and a keen eye for detail.

Compensation Information

• Base salary range: $55,000 - $70,000
• The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full-Time Permanent roles.

At Questrade Financial Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. This is an environment where individuals are treated with dignity and respect. Here, the unique skills and experience you bring will be valued. You will be supported and motivated, so that you can harness your unlimited potential. Our team reflects the diversity of the communities we serve and operate in. Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us.

Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening. The AI system operates on predetermined criteria, with final decisions subject to human review.

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.