Description:
The Mortgage Underwriter has responsibility for applying due diligence when reviewing required documentation to ensure accuracy and to protect the Company from risk.
How You Will Contribute
- Establishes and maintains positive relationships with mortgage brokers to build loyalty to the Company
- Maintains positive relationships with external partners such as mortgage insurers, appraisers, title insurance companies, and solicitors
- Adjudicates mortgage applications within established authority limits while ensuring adherence to policies and guidelines
- Interacts with Mortgage Insurers where applicable to complete credit lending decisions
- Ensures due diligence has been completed prior to signing off on any mortgage conditions or documents, where applicable
- Prepares and issues mortgage commitments with appropriate conditions within established service level agreements/turnaround times
- Priorities applications and workflow to ensure consistent and sound risk assessments are maintained while managing high volumes and a continued focus on service excellence
- Stays current with latest industry knowledge, competition, and market trends
Skills And Attributes
- Ability to build and maintain positive relationships
- Strong aptitude for service excellence
- Strong communication skills—both written and verbal
- Ability to manage and resolve conflict
- Strong analytical skills
- Attention to detail
- Organizational and time management skills
- Positive team player with desire and ability to mentor others
- Effective problem solving and decision making skills
- Fully competent in working with basic PC software and working knowledge of the suite of Microsoft office products
- Ability to manage pressure in an environment of high volume processing with tight turnaround times
- Adhere to policies/procedures to ensure AML requirements are met.
Education/Certification/Experience Requirements
- Completed post-secondary education or equivalent work experience required
- Minimum 2 years previous mortgage underwriting experience required
- Completion of Mortgage Agent Course and/or FICOM License an asset
- Working knowledge of PC software in a Windows environment required