Mortgage Risk Specialist

Strivecapital; Ontario; On-site; CAD 60,000 - 90,000; Full time

Job summary

Ein innovatives Unternehmen im Finanztechnologiebereich sucht einen Qualitätsprüfer, der die Kreditvergabeprozesse optimiert und sicherstellt, dass alle Anträge den Richtlinien entsprechen. In dieser Rolle arbeiten Sie eng mit dem Management zusammen und tragen dazu bei, das Kundenerlebnis zu verbessern. Ihre Aufgaben umfassen die Analyse von Kredit-Anträgen, die Durchführung von Risikoanalysen und die Unterstützung bei internen Audits. Wenn Sie eine Leidenschaft für Qualitätssicherung haben und in einem dynamischen Umfeld arbeiten möchten, ist diese Position ideal für Sie.

Benefits

Wettbewerbsfähiges Gehalt

Bezahlte Freizeit und Urlaub

Umfassende Sozialleistungen

Karriereentwicklung

Direkte Interaktion mit dem Management

Qualifications

• Mindestens 5 Jahre Erfahrung in der Kreditvergabe und Qualitätsprüfung.
• Tiefes Wissen über Hypothekenoperationen und Kreditrichtlinien.

Responsibilities

• Überprüfung und Analyse von Kredit-Anträgen auf Compliance.
• Bereitstellung von Empfehlungen und Berichten an das Management.

Skills

Qualitätsprüfung

Regulatorische Kenntnisse

Kommunikationsfähigkeiten

Selbstmotivation

Workflow-Management

Education

Bachelor-Abschluss

Tools

Microsoft Word

Microsoft Excel

Windows-basierte Software

Job description

Strive is an award-winning Canadian residential mortgage lender committed to customer satisfaction. We focus on providing brokers with an exceptional experience in funding prime mortgage files, emphasizing relationship building, cutting-edge technology, and a dedicated team managing files from start to finish. We are partnered with all three mortgage insurers, offering insured, insurable, and uninsurable products.

About the role:

This position is ideal for a driven professional eager to join a team of entrepreneurial experts in the FinTech industry, working closely with senior management and enhancing their skills.

Reporting to the Director of Quality Assurance and Fraud Management, you will review and assess mortgage applications at both pre- and post-funding stages. You will also serve as a second line of defense in preventing and detecting fraud and money laundering.

If you are eager to learn, grow, and contribute to Strive’s mission of improving the lending experience, we encourage you to apply!

Your day-to-day responsibilities include:

1. Review, analyze, and document assessments of credit applications to ensure compliance with company directives, including evaluating all data elements, financial documents, client info, broker and insurer transmissions, appraisals, and noting policy exceptions.
2. Conduct regular pre- and post-advance reviews efficiently and objectively, focusing on risk identification related to Credit, Compliance, Fraud Prevention, Detection, and AML.
3. Provide guidance, recommendations, and reports to management, underwriting staff, and stakeholders on credit issues, findings, and trends.
4. Assist in preparing, reviewing, and analyzing external audit files.
5. Review serious delinquent accounts as needed and summarize findings.
6. Offer ongoing feedback on policies and procedures, especially regarding underwriting practices.
7. Help prepare internal presentations on QA initiatives and monthly reporting, including analysis and trend identification.
8. Support other responsibilities and special projects as assigned.
9. Complete required training and adhere to confidentiality and regulatory standards.
10. Act in accordance with Strive’s risk appetite as defined by the RMUP.
11. Maintain confidentiality for employees, customers, and partners as per the Employee Handbook.

Qualifications:

1. Previous experience in Quality Assurance and regulatory roles within mortgage lending.
2. At least 5 years of mortgage lending adjudication experience.
3. Deep knowledge of mortgage operations, credit policies, and related practices, products, and services.
4. Ability to manage workflow deadlines in a high-volume, fast-paced environment.
5. Strong communication skills, both verbal and written, for clear explanations and recommendations.
6. Self-motivated and capable of working independently or in teams within an entrepreneurial setting.
7. Proficiency in Word, Excel, and Windows-based PC software.

Preferred but not required:

• Experience in alternative lending environments.

About Strive Capital Corporation:

Founded in 2020, Strive has grown into a vibrant team of over 80 industry professionals based in Toronto. We foster a collaborative, communicative, and supportive environment that encourages growth and problem-solving. Our mission is to exceed customer expectations and provide a better lending experience.

Our benefits include:

• Competitive salary and discretionary incentives
• Paid time off, holidays, and vacation
• Comprehensive benefits starting immediately
• Supportive learning environment and career development
• Direct interaction with senior management and industry leaders

Strive is committed to diversity and inclusion and is an equal opportunity employer. We welcome applications from all qualified candidates and will provide accommodations during the recruitment process upon request. We thank all applicants; only those selected for interviews will be contacted.