Agent de Credit Senior prêts hypothécaires résidentiels/ Bilingual Senior Residential Mortgage Underwriter

Questrade Financial Group•Montreal, QC

6d•CA$80,000 - CA$95,000•Hybrid

About The Position

Questrade Financial Group (QFG) is seeking a Senior Residential Mortgage Underwriter to join their team. This role is responsible for the entire credit adjudication process, including decisioning mortgage applications based on established lending criteria, reviewing and fulfilling mortgage conditions, managing exceptions, determining pricing, and accepting documentation. The position requires meeting performance targets and adhering to service standards. QFG is a company that combines human-centric collaboration with AI-driven innovation to redefine financial services, aiming to help Canadians become more financially successful and secure. They offer a diverse, inclusive, and hybrid workplace.

Requirements

Fully Bilingual in French and English
Minimum of 5 years' experience in residential origination, preferably in the alternative lending space
Working knowledge of Google Workspace applications
Demonstrating ability to provide alternate solutions based on product and guideline availability
Demonstrating effective organizational and time management skills
Capable of handling multiple tasks and meeting stringent deadlines
Results oriented mindset
Self-motivated, confident, and capable of working both independently and in a team environment
Bringing a positive, can-do attitude to our organization, using creative solutions to solve problems
Establishing and building healthy working relationships with your team and peers
Working well in a dynamic and fast paced environment with the ability to navigate through organizational change
Committed to providing outstanding customer service
Exceptional analytical skills and a keen eye for detail
Having solid written and verbal business communication skills
Demonstrating interpersonal and relationship building skills
Demonstrating strong negotiation and sales skills
Having a solid understanding of the general characteristics, attributes and risk factors associated with various loan types

Nice To Haves

Post-Secondary Education degree

Responsibilities

Successfully contribute to the Residential Lending results, ensuring growth and profitability targets are being met.
Maintain knowledge of Community Trust residential mortgage underwriting policies, procedures, and products.
Negotiate, structure, and evaluate received mortgage applications according to internal policies.
Manage portfolio risk by exercising consistent, objective and sound credit decisions within authorized limits, escalating with rationale to support recommendation where appropriate.
Issue mortgage commitments with appropriate conditions.
Review and decision mortgage documentation to ensure each document is complete and accurate based on Community Trust’s credit policies, procedures, and anti-money laundering requirements.
Instruct files to FCT and work together with Residential Funding to ensure timely closings.
Effectively partner with Partner Experience to deliver top of class experience to our partners.
Work in collaboration with the Credit Quality Assurance and Funding teams to ensure targets are being met.
Maintain up to date knowledge of the competition, industry trends and market conditions.
Ensure accurate record keeping and that all records are stored and retained to meet Company standards.
Identify continuous improvement opportunities.
Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
Proactively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.
Effectively manage tasks and cases to adhere to predetermined Service Level Agreements.