Mortgage Solutions Associate

MCAP; Toronto; Sur place; CAD 56 000 - 60 000; Plein temps

Résumé du poste

MCAP is seeking a Mortgage Solutions Associate to support borrower retention and guide clients through financing decisions across Canada. You will assess income, assets, and credit bureau details, propose optimal mortgage solutions, and prepare applications while explaining rates and penalties.

You'll promote ancillary products, participate in renewals, and provide feedback to improve borrower experience. The role requires strong communication, negotiation, and relationship-building skills, with

Qualifications

• Minimum 2 years in Mortgage Servicing or Origination.
• Customer service and/or retention experience.
• Strong negotiation and retention skills; able to build relationships.
• Excellent written and oral communication abilities; multitask in a fast-paced environment.

Responsabilités

• Review borrowers' financial situation and assess qualification for solutions.
• Suggest products and terms that benefit borrowers, MCAP, and investors.
• Offer interest rate and penalty quotes; complete applications and pull Credit Bureau.
• Promote lender products like Mortgage Life Insurance and Home Warranty; provide renewal offers.

Connaissances

MARS

MARSweb

SharePoint

CIC

Investor guidelines

Insurer guidelines

Mortgage servicing knowledge

Retention skills

Negotiation

Relationship building

Communication skills

Formation

University Degree/College Diploma

Mortgage agent license course (within 6 months)

Description du poste

The Role

This position is responsible for the success of borrower retention and facilitation of the borrower financing experience. A Mortgage Solutions Associate promotes financing and renewal options for files across multiple brands to achieve borrower financing needs in a timely manner, along with preventing early payout and promoting ancillary services.

This position is empowered to understand homeowners needs and requirements in order to suggest and recommend the best solutions and finance options, while utilizing underwriting policies to make preliminary decisions regarding borrower qualifications, interest rate discounting, blended rate calculations, and penalty amounts related to refinancing, porting.

This position involves flexibility with hours to ensure the best borrower experience across Canada. The Internal Broker department currently manages an inbound queue during the hours of 8:00AM – 7:00PM EST in conjunction with managing outbound call efforts as needed across Canada. It is expected that an Mortgage Solutions Associate be able to work any time during the available hours within the current hours of operation.

Provide Financing Solutions

• Review financial situation of borrowers (includes preliminary analyzing of income, assets, liabilities and credit bureau details while assessing the borrower’s ability to qualify for the requested solution)
• Utilize product options and borrower goals to suggest products and terms that are mutually beneficial to borrowers, MCAP, and investors
• Offer interest rates and Penalty quotes
• Complete an application and pull Credit Bureau to hand off warm lead to Internal Broker

Promote Options (Ancillary & Retention)

• Promote applicable lender product options and services such Mortgage Life Insurance, Disability Insurance, and Home Warranty options
• Promote and educate on features and benefits of existing mortgage product to retain borrowers when financing unavailable or unwarranted and offer advice on how the client may qualify in the future
• Provide renewal rates and produce renewal offers to hand off to Renewal Account Manager

Report Consumer Opinion

• Assist with respect to enhancing the overall borrower experience, both mid-term and at maturity. Provide feedback and insight to management.

What You Bring To The Team

• Solid understanding of MARS, MARSweb, SharePoint, CIC, Investor and Insurer guidelines
• Mortgage Servicing or Origination Industry experience (minimum 2 years)
• Customer Service and/or Retention experience
• Strong negotiation and retention skills
• Ability to foster and maintain relationships
• Exceptional oral and written communication skills with emphasis on educating
• Strong analytical and problem solving skills
• Exceptional oral and written communication skills
• Excellent organizational and time-management skills
• Ability to multi-task in a fast-paced environment
• Ability to remain calm in stressful situations
• Carries out duties with integrity and takes responsibility for actions
• Self-driven and motivated with the ability to work independently and in a team environment
• University Degree/College Diploma
• Completion or ability to complete Mortgage agent license course to satisfy provincial regulatory requirements within 6 months of start date

Be A Part Of Something Great

MCAP is Canada’s largest independent Mortgage Finance company with over $150 billion in assets under management providing mortgage solutions for residential and commercial properties. For over 35 years, MCAP originates, trades, securitizes and services mortgages in offices across Canada. MCAP originates residential mortgages exclusively through the mortgage broker channel as we believe that a professional mortgage broker is a consumer's best option and MCAP actively promotes the services of mortgage brokers across the country. MCAP is also a leader in the Canadian residential construction lending market with over 25 years in the business. Our teams of dedicated professionals serve a variety of developer, construction and lender clients across Canada.

Position #: req2277

Employment Status: Permanent Full Time

Location: Multiple Locations Available; Canada Wide

Number Of Openings: 4

Department: Residential

Internal Job Title: Mortgage Solutions Associate

Salary Range: $56,000-$60,000

The above information in this description has been designed to indicate the general nature and level of work performed by employees in the position. It is not designated to contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

MCAP provides equal opportunities for all applicants and is committed to fostering an inclusive, accessible environment, where all employees feel valued, respected and supported throughout the recruitment and employment process. If you require accommodation, we will work with you to meet your needs.