Mortgage Officer, Montreal - Home Trust

Fairstone Bank; Montreal (administrative region); Hybrid; CAD 60,000 - 90,000; Full time

Benefits offered by this job

Hybrid work model

Health and dental coverage

Group retirement savings with employer

Vacation + wellness days

Job summary

Fairstone Bank is hiring a Mortgage Officer at Home Trust. You will manage residential mortgage files from commitment letter to funding, ensuring broker conditions are met, documents are complete, and files comply with company policies and guidelines, while maintaining quality and accuracy.

You will partner with the Funding team to ensure timely closings, serve as the primary contact for Mortgage Brokers after commitment, perform daily follow-ups, verify documentation authenticity, and organize

Qualifications

• Authorized to work in Canada.
• Strong communication skills.
• Post-secondary degree or diploma in business, finance, or related field (university an asset).
• 2 years in an administrative environment, preferably within mortgage industry.

Responsibilities

• Reviews mortgage files and ensures client documentation, including income, job letter verification, bank statements, down payment and interviews, meet lending policies.
• Takes ownership of approved file, updates internal records to match documentation while ensuring metrics stay within guidelines.
• Notes discrepancies and provides approval rationale as required.
• Ensures documents are signed back and received from brokers within SLAs.
• Manages, compiles, reviews and organizes mortgage documentation in a high-volume, service-oriented environment.
• Collaborates with Funding team to ensure timely closings.
• Acts as the main point of contact for Mortgage Brokers after the commitment letter is signed back.
• Conducts daily follow-up with brokers to answer questions and ensure documentation is submitted and actioned.

Skills

Great communication skills

Authorized to work in Canada

Education

Post-secondary degree or diploma in business/finance or related field

Job description

Who we are

Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, EdenPark and Fig. Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending,we offer financial solutions tailored to all Canadians, including newcomers, small-business owners, smart investors and savvy consumers. Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada’s leading alternative lending bank.

Home Trust

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. Our culture has been shaped by the passion and integrity of our people.

About the role

Join Home Trust as a Mortgage Officer and be part of our talented and growing team! 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.

Key responsibilities

• 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.
• Collaborates with the Funding team to ensure timely closings.
• Is the main point of contact for Mortgage Brokers (previously the Underwriters were responsible for this) after the commitment letter has been signed back.
• Conducts daily follow‑up with brokers to answer broker/client questions and ensure all required documentation has been submitted, reviewed and actioned accordingly.
• 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.

What we’re looking for

• Authorized to work in Canada.
• Great communication skills.
• 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.

What you’ll love about working here

Award‑Winning Culture: We’re proud to be recognized as a Great Place to Work Canada 2025 and one of Montreal’s Top Employers 2025 by Canada’s Top 100 Employers.

Work‑Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.

Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well‑being.

Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance.

Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue.

Future‑Ready Savings: Group Retirement Savings Plan with up to 7% employer match.

Exclusive Perks: Discounts from top retailers via WorkPerks, plus location‑based perks like gym memberships and Toronto Bike Share.

On‑Site Fitness: Gym access at our London and Montreal offices.

Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.

Family Support: Parental leave top‑up program to help you during life’s big moments.

Community Impact: One paid volunteer day to give back to causes that matter to you.

Company information

Time Type: Full time
Job Type: Permanent

RECOGNIZED AS ONE OF MONTREAL'S TOP EMPLOYERS (2025)

Fairstone is an equal opportunity employer. Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.

Fairstone Bank of Canada and its subsidiaries, including Fairstone Financial Inc. and Home Trust Company, deliver innovative, accessible and reliable financial solutions that enable Canadians to reach their financial goals. Collectively, we offer residential and commercial mortgages, consumer deposits and GICs, retail and automobile financing, credit cards and digital lending, in addition to unsecured and secured personal loans online and at more than 255 branches coast to coast. With a long‑established history, we are proud to be Canada's leading alternative lending bank.

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