Adjoint(e) au placement d’hypothèques résidentielles, bilingue / Bilingual Associate Residential Mortgage Underwriter (Questbank)

Questrade Financial Group

3d•CA$60,000 - CA$75,000•Hybrid

About The Position

Questrade Financial Group (QFG) is seeking a Bilingual Associate Residential Mortgage Underwriter to join their team. This role is responsible for contributing to the overall portfolio growth and maximizing profitability within an environment focused on operational and service excellence. The position involves the full credit adjudication process, including decisioning mortgage applications based on established lending criteria, reviewing and fulfilling mortgage conditions, managing exceptions, determining pricing, and accepting documentation, all while meeting performance targets and adhering to service standards. QFG emphasizes human-centric collaboration with AI-driven innovation to redefine financial services and is looking for a candidate who can be a catalyst for change, using AI to transform customer experiences and empower teams. The company offers a diverse, inclusive, and hybrid workplace.

Requirements

Fully bilingual in French and English
2+ years of experience in residential origination, preferably in the alternative lending space
Completed Post-Secondary Education
Working knowledge of Google Workspace applications
Demonstrated ability to provide alternate solutions based on product and guideline availability
Capable of handling multiple tasks and meeting stringent deadlines
Tactful, diplomatic, and politely persistent
Results oriented, self-motivated, confident, and capable of working both independently and in a team environment
Bring a positive, can-do attitude to our organization, using creative solutions to solve problems
Establish and build on healthy working relationships with your team and peers
Work well in a dynamic and fast paced environment with the ability to navigate through organizational change
Committed to providing outstanding customer service
Demonstrate interpersonal and relationship building skills
Solid understanding of the general characteristics, attributes and risk factors associated with various loan types
Demonstrate strong negotiation and sales skills
Solid written and verbal business communication skills
Demonstrate effective organizational and time management skills
Exceptional analytical skills and a keen eye for detail

Responsibilities

Successfully contributing to the Residential Lending results, ensuring growth and profitability targets are being met.
Maintaining knowledge of Questbank’s residential mortgage underwriting policies, procedures, and products.
Negotiating, structuring, and evaluating received mortgage applications according to internal policies.
Managing portfolio risk by exercising consistent, objective and sound credit decisions within authorized limits, escalating with rationale to support recommendation where appropriate.
Issuing mortgage commitments with appropriate conditions.
Reviewing and deciding on mortgage documentation to ensure each document is complete and accurate based on Questbank’s credit policies, procedures, and anti-money laundering requirements.
Instructing files to FCT and working together with Residential Funding to ensure timely closings.
Effectively partnering with Partner Experience to deliver top of class experience to our partners.
Working in collaboration with the Credit Quality Assurance and Funding teams to ensure targets are being met.
Maintaining up to date knowledge of the competition, industry trends and market conditions.
Ensuring accurate record keeping and that all records are stored and retained to meet Company standards.
Identifying continuous improvement opportunities.
Following AML procedures on all files with an emphasis on “Know Your Client” rules.
Proactively identifying actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage.
Conducting appropriate inquiries and investigations in relation to any such situation and ensuring that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
Adhering to compliance and operational risk controls in accordance with the company's policies and procedures.
Effectively managing tasks and cases to adhere to predetermined Service Level Agreements.