Mortgage Solutions Manager - Toronto

Scotiabank • Toronto, ON

8d • Hybrid

About The Position

As Canada’s leading digital bank, Tangerine technology is at the heart of everything we do. We have redefined what digital banking is, and we continue to evolve to tackle any opportunity and face every challenge through progressive technology and the power of collaboration.

Do you like new challenges? Are you ready to reach new heights in your career and become part of an established disruptor? If so, come join us and help redefine the Canadian banking landscape!

Requirements

• Sales experience is required.
• Minimum 3 years of proven success in the mortgage industry, or a related field.
• Strong commitment to trust development, client experience, and delivering exceptional service.
• Excellent communication, negotiation, and interpersonal skills with the ability to influence and build rapport with clients and stakeholders.
• Entrepreneurial mindset with a drive to succeed in a variable compensation, sales environment.
• High proficiency with all MS Office products.
• Administrative knowledge and skills in documentation required to meet lending guidelines.
• Fully knowledgeable and staying current with respect to Tangerine Bank products, services, policies, and procedures.
• Exceptional knowledge and understanding of the mortgage product, both Tangerine specific as well as from the market in general.
• Outbound calling capabilities; establishing credibility with clients and earning their trust and business.
• Ability to build relationships at all levels.
• Ability to discuss product options and features within company guidelines.
• Ability to adapt to changing needs and priorities.

Nice To Haves

• University or College Degree in a business discipline is an asset.
• Underwriting and fulfillment experience is preferred.
• Fluency in both English and French is an asset.

Responsibilities

• Provide customized mortgage solutions and advice to clients, managing the full journey of new mortgage acquisition from lead to funding.
• Focus exclusively on new to bank mortgages, including purchase transactions, switches from other financial institutions, and new Home Equity Lines of Credit (HELOCs).
• Deliver a seamless, consultative experience that helps clients make informed decisions while driving business growth.
• Act as the primary point of contact for clients, guiding them through the end-to-end mortgage journey.
• Make the process seamless and easy for clients to understand.
• Build and maintain strong relationships by following disciplined sales-development activities to deliver an exemplary mortgage advisory experience.
• Initiate client conversations with open-ended questions to uncover and validate client goals and objectives.
• Apply subject matter expertise to present tailored mortgage options and provide clear recommendations.
• Utilize banking and secured lending expertise to provide tailored mortgage advice aligned with clients’ financial goals and objectives.
• Act as a Secured Lending subject matter expert, representing Tangerine Secured Lending with clients.
• Prioritize client experience and take initiative to provide tailored advice and solutions by developing and maintaining mortgage expertise focused on client needs, market conditions, and the Canadian residential mortgage market.
• Actively manage an assigned portfolio of potential and existing mortgage clients.
• Source and acquire new mortgage clients through referrals, outbound effort, and referral partners.
• Manage the full sales cycle from prospecting to funding.
• Qualify and convert leads, proactively source new mortgage opportunities through outbound calling campaigns, and guide clients through pre-approval, application, and funding.
• Achieve monthly mortgage origination targets and identify opportunities for cross-sell and referrals to other Tangerine products and services.
• Manage a pipeline of all applications and related tasks and activities to ensure timely progression towards funding.
• Collaborate with internal teams, including underwriters, to facilitate timely mortgage approvals and closing while adhering to regulatory requirements.
• Partner effectively with colleagues in other business lines to identify referral opportunities.
• Guide clients along the fulfillment process by promptly communicating required documents and updates, setting expectations on next steps, and seeking alternative solutions.
• Achieve monthly mortgage sales targets and effectively cross-sell other Tangerine products and services.
• Function as a resource for questions or issues concerning mortgage policies and procedures to manage the bank’s risk.
• Assess any additional information sought/received within agreed-upon service levels.
• Consult with the Underwriting department to ensure all documents are received, validated, and complete.
• Meet Customer Service levels in relation to emails and phone messages.

Benefits

• Access to thousands of online and in person courses for career growth.
• Help to save for your future and invest in your total wellbeing through Tangerine benefits.
• Workspace flexibility.
• Tangerine employees participate in Scotiabank’s pension & benefits programs (available to permanent employees).

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree