Job Description

Come join Home Trust Company as a Mortgage Officer in our Toronto Underwriting team!

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. Home Trust is a private company.

FIRST THING – WHAT YOU NEED TO SUCCEED?

We are looking for individuals who are dedicated, passionate, and driven to execute with excellence!

WE CARE ABOUT OUR EMPLOYEES WELL-BEING, WHAT WE OFFER:

• Base salary, with yearly incentive performance bonus
• Three (3) weeks of vacation, an additional six (6) flex days (sick or personal) in addition to statutory holidays
• Comprehensive benefit packages, offered through Manulife
• Group Retirement Savings Plan (GRSP) up to 8% contribution program & employer match
• $1000 Employee Referral Program
• Employee Discounts; phone plans, gym membership, Toronto Bike Share and many retailer discounts offered through WorkPerks
• Education Assistance program

ABOUT THE ROLE:

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.

In addition:

• 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 REQUIRE:

• Authorized to work in Canada
• 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

PREREQUISITE: Maintain a positive supportive attitude, help to maintain an inclusive and supportive company culture!

Follow us on LinkedIn: Home Trust Company: My Company | LinkedIn

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