Residential Mortgage Underwriter, Bilingual / Souscripteur hypothécaire, Bilingue

EQ Bank | Equitable Bank; Montreal; On-site; CAD 60,000 - 80,000; Full time

Job summary

A leading financial institution in Montreal seeks a Mortgage Underwriter to manage mortgage applications, negotiate terms, and provide exceptional customer service. The ideal candidate has over 2 years of experience in the alternative mortgage market and a relevant post-secondary degree. Strong attention to detail and excellent communication skills are essential. This role offers a competitive bonus and extensive benefits.

Benefits

Competitive discretionary bonus

Market leading RRSP match program

Medical, dental, vision, life, and disability benefits

Employee Share Purchase Plan

Generous vacation policy and personal days

Annual professional development allowance

Qualifications

• 2+ years’ mortgage experience in the alternative mortgage market.
• Sound knowledge of AML & ATF practices.
• Knowledge of fraud risk in the mortgage industry.

Responsibilities

• Review mortgage applications and negotiate terms with mortgage brokers.
• Ensure compliance with established guidelines for approved deals.
• Follow up daily with brokers for efficient closing.
• Provide customer service to mortgage brokers and clients.
• Maintain up-to-date knowledge of company policies and products.

Skills

Attention to detail

Organizational skills

Time management

Analytical skills

Problem-solving skills

Communication skills

Decision making under pressure

Ability to multi-task

Education

Post-secondary degree preferably in a financial field

Tools

MS Office (Word, Excel)

Job description

Mortgage Underwriter – Responsibilities

• Review received mortgage applications along with supporting documentation; negotiate terms with mortgage brokers; decline or recommend applications for approval; approve applications when appropriate.
• Ensure that approved deals close as scheduled and as efficiently as possible by following up on outstanding conditions/documents and ensuring compliance with established guidelines. (50%)
• Follow up daily with brokers on issued mortgage commitments to ensure efficient closing of mortgage files. (20%)
• Provide the highest level of internal and external customer service while fielding mortgage broker inquiries and maintaining broker relationships. (20%)
• Provide underwriting expertise to mortgage brokers, clients, and co‑workers, maintaining up‑to‑date knowledge of company policies, procedures and products. (10%)

Qualifications

• Sound thinker with the ability to multi‑task.
• Excellent attention to detail.
• Sound knowledge of AML & ATF practices.
• Established and meticulous organizational skills.
• Excellent time management, analytical and problem‑solving skills.
• Ability to make decisions under pressure.
• Proven ability to thrive in a constantly changing environment and to perform well in a high‑volume, high‑intensity environment.
• Highly developed verbal and written communication skills with the ability to respond in a clear, concise and professional manner.
• Displays pride in providing superb customer service.
• 2+ years’ mortgage experience in the alternative mortgage market.
• Proficiency in MS Office (mainly MS Word and Excel).
• Completion of a post‑secondary degree preferably in a financial field.
• Knowledge of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation.
• Requires knowledge of English to service English‑speaking customers across Canada and to liaise with English‑speaking colleagues and managers outside of Quebec.

Benefits

• Competitive discretionary bonus.
• Market leading RRSP match program.
• Medical, dental, vision, life, and disability benefits.
• Employee Share Purchase Plan.
• Maternity/Parental top‑up while you care for your little one.
• Generous vacation policy and personal days.
• Virtual events to connect with your fellow colleagues.
• Annual professional development allowance and a comprehensive Career Development program.
• A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience.

All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire.

Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well.

We commit to providing a barrier‑free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond.

We can’t wait to get to know you!