Analyst, Underwriting - Bilingual

CIBC•Montreal, QC

6d•Hybrid

About The Position

As a member of CIBC’s team, the Analyst, Underwriting is responsible for supporting the review and approval of residential mortgage and real estate applications in a timely and effective manner. The role follows detailed instructions and documented procedures to negotiate, approve, recommend, or decline residential secured and unsecured mortgages and real estate applications within established guidelines and authorized lending limits. The Analyst, Underwriting uses judgement regarding priorities and approaches to review credit information by gathering and critically assessing property-specific third party due diligence reports and negotiating terms for marginal applications. The role provides specialized advice and guidance on company policy, procedures, and security value estimates, resolving basic problems within the scope of their job. At CIBC we enable the work environment most optimal for you to thrive in your role. Details on your work arrangement (proportion of on-site and remote work) will be discussed at the time of your interview.

Requirements

Experience in dealing with mortgages, real estate secured and unsecured applications.
Excellent proficiency with computer software such as Microsoft Word, Excel, PowerPoint and SharePoint.
Put our clients first.
Engage with purpose to find the right solutions.
Go the extra mile, because it's the right thing to do.
Know that details matter.
Notice things that others don't.
Critical thinking skills help to inform your decision making.
Give meaning to data.
Enjoy investigating complex problems and making sense of information.
Communicate detailed information in a meaningful way.
Digitally savvy.
Seek out innovative solutions and embrace evolving technologies.
Easily adapt to new tools and trends.
Values matter to you.
Bring your real self to work and live our values – trust, teamwork and accountability.
Fluent in French and English to serve our clients in the community.

Responsibilities

Negotiate, approve, decline and recommend applications, within established CIBC processes, guidelines and authorized lending limit of up to $1,500,000, including residential mortgage, real estate secured and unsecured applications.
Gather, review and assess information and documentation to support each credit application within CIBC risk parameters and Insurers guidelines, if applicable.
Handle, as required, correspondence and telephone inquiries from internal business partners and external business partners such as insurers, appraisers and solicitors.
Review, prepare and make considered recommendations to Manager or senior underwriter where residential mortgage application is above authority limit.
Manage high work volumes to meet short time lines with a high level of quality and due diligence.
Review a variety of lending products on a day to day basis.