Bilingual Residential Mortgage Officer
- Hiring from
- Canada
- Work type
- Hybrid
- Posted
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The Bilingual Residential Mortgage Officer is responsible for maintaining and updating mortgage files from the commitment approval stage to the time the loan is funded. This mainly includes the reviewing of files, correspondence with mortgage brokers to request outstanding documents and the adjudication of documents as per FINTRAC, internal AML/ATF guidelines and EQB policies and procedures. The Residential Mortgage Officer also plays an integral role in the mitigation of fraud within the Single Family Residential Department.
Principales responsabilités
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Obtenir la documentation requise et en vérifier l’exactitude et la légitimité en mettant fortement l’accent sur les exigences relatives à la lutte contre le blanchiment d’argent et le financement des activités terroristes.
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Veiller à ce que les dossiers hypothécaires soient conformes aux politiques et procédures de prêt établies par la Société et les assureurs de prêts hypothécaires, et veiller à ce que les exigences juridiques et de lutte contre le blanchiment d’argent et le financement des activités terroristes soient respectées.
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Gérer votre flux d’affaires afin de respecter les délais prescrits et faire un usage diligent des rapports pour suivre et gérer le flux de toutes les opérations de financement pour votre équipe.
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Communiquer avec des contacts internes (souscripteurs, gestionnaires, administrateurs et personnel de vente de prêts hypothécaires) et externes (courtiers hypothécaires, clients et assureurs de prêts hypothécaires) afin de s’assurer que les transactions sont traitées en temps opportun et efficacement dans le but de respecter les niveaux de service convenus tout en offrant un service à la clientèle de qualité supérieure.
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Surveiller les changements apportés aux opérations et mettre à jour les dossiers au besoin, communiquer avec les parties concernées pour les informer des changements et s’assurer que les exigences relatives à l’assurance de la qualité et les demandes d’examen de la conformité sont traitées en temps opportun et avec exactitude.
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Aider les autres membres de l’équipe afin de s’assurer que l’équipe respecte les niveaux de service convenus.
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On a daily basis, the incumbent will strive to ensure that mortgage files are in compliance with the Company’s established lending policies and procedures as well as ensuring that legal, AML and ATF requirements have been satisfied. (35%)
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On a daily basis, the incumbent is responsible for time management of their deal flow in order to meet prescribed deadlines. Day-to-day the incumbent will make diligent use of reports to track and manage the flow of all deals funding for their team. (15%)
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On a daily basis, the incumbent will communicate with internal contacts (underwriters, managers, administrators and mortgage sales staff) and external contacts (mortgage brokers and clients) to ensure transactions are processed in a timely and efficient manner in order to meet tight deadlines. The incumbent will provide the highest level of internal and external customer service while fielding mortgage broker and client inquiries. (10%)
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On a daily basis, the incumbent will monitor changes to deals and update files as required. The incumbent must send correspondence to the appropriate parties apprising them of changes. The incumbent must also ensure that Quality Assurance requirements and Compliance review queries are dealt with in a timely and accurate manner. (5%)
Qualifications et compétences recherchées
Voici le mélange unique de compétences et d’expérience que nous aimerions trouver chez un candidat idéal :
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Solide capacité à réfléchir et à mener plusieurs tâches de front
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Excellent souci du détail
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Capacité de suivre les pratiques de lutte contre le blanchiment d’argent et le financement des activités terroristes
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Connaissance de base des programmes et des exigences de prêt des assureurs de prêts hypothécaires
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Excellentes compétences en gestion du temps et capacité de travailler sous pression
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Solides compétences en communication écrite et orale
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Capacité d’établir des relations à tous les niveaux
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Fierté à offrir un excellent service à la clientèle
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Au moins un an d’expérience dans le domaine des prêts hypothécaires, de préférence sur le marché des prêts hypothécaires traditionnels
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Maîtrise de Microsoft Office (Word et Excel)
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Diplôme d’études postsecondaires, de préférence dans un domaine financier
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Connaissance approfondie du financement hypothécaire et du processus d’assurance de la qualité, un atout certain
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Completion of a post-secondary degree preferably in a financial field
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1-2 years’ mortgage experience in the alternative mortgage market
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Bilingual (English and French)
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Sound thinker with the ability to multi-task; ability to handle multiple competing priorities
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Excellent attention to detail
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Ability to grasp AML & ATF practices
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Established and meticulous organizational skills
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Excellent time management, analytical and problem solving skills
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Ability to make complex decisions under pressure
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Proven ability to thrive in a constantly changing environment and to perform well in a high volume, high intensity environment
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Highly developed verbal and written communication skills with the ability to respond in a clear, concise and professional manner
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Committed to providing superb customer service
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Proficiency in MS Office (mainly MS Word and Excel)
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Detailed knowledge of mortgage funding and quality assurance processes
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Ability to comprehend and assess documentation relating to mortgage down payment and borrower income confirmation
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Mindful awareness of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation when required
Défis et imputabilité
The incumbent is responsible for bridging the underwriting stage of a file to the funding stage. The incumbent should be prepared to manage files of greater complexity at times. While individual tasks may vary in difficulty, the volume and speed of the workflow, the daily changes that can occur, and the need for frequent communication all demand above-average multi-tasking ability, presence of mind, and the ability to work under pressure. The incumbent is required to follow EQB guidelines in order to work through files efficiently and accurately however, many unique situations can arise and the incumbent must be able to react to and work through these situations. The incumbent must also understand the roles of the Quality Assurance, Fraud, Compliance, and Funding teams as well as be mindful of closing dates in order to successfully manage their files. Finally, the incumbent should make suggestions for improving the workflow process wherever possible.
Incumbents operate under direct management, and their team’s performance is regularly monitored by the Manager, Residential Mortgage Fulfillment and Senior Manager, Residential Mortgage Underwriting. However, given time constraint challenges of the department, the incumbent will work with a fair degree of independence, and must think and react accordingly. Regular decision making pertaining to fraud mitigation, AML/ATF and FINTRAC guidelines as well as file management and maintenance is required.
Interlocuteurs, risques et conditions de travail
Incumbents communicate daily with mortgage brokers and clients. Daily communication with mortgage underwriters and interdepartmental staff to ensure files are completed in a timely and efficient manner.
Managing Risk
All members of the Equitable Bank team are responsible for managing risk and compliance within their departments. As such, employees should maintain and demonstrate the highest standards of integrity and ethical conduct in accordance with Equitable Bank policies, guidelines, and directions.
Physical Demands / Working Conditions
Normal office environment; however increased pressure at times, due to file complexity, dealing with suspected misrepresentation, high intensity fast-paced flow of business, maintaining mortgage broker service levels, meeting tight deadlines, uncooperative business partners, etc. Hybrid work is expected with 1-5 days in person depending on the level and seniority of the role.
