Mortgage Funder

Who we are:

Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, Eden and Fig.

Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending—we offer financial solutions tailored to all Canadians, including newcomers, small-business owners, smart investors and savvy consumers.

Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada’s leading alternative lending bank. ​

Home Trust: Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people.

Join Home Trust as a Mortgage Funder and be part of our talented and growing team!

About the role:

The Mortgage Funder will perform routine duties independently, while functioning in a team environment. The Mortgage Funder must be able to plan their workload efficiently and demonstrate a sense of urgency and ability to work well under pressure.

Responsibilities includes:

File Management (70%)

• Review documentation received from Solicitors/Closing Agent with a 98% accuracy and compliance with established regulatory and company guidelines and policies.

• Perform all required duties such as preparing draft advance and final advance, reviewing of documents, authorize the release of funds to the solicitor all with efficiently.

• Respond to all inquiries within the established time frame.

• Prepare Solicitor/Closing Agent Instruction package within defined SLAs.

• Liaise with Solicitors/Closing Agent to ensure instructions have been received and respond to any initial Solicitors inquires. Ensure Solicitor information is up to date in the system and in accordance with the Home Trust Company’s Solicitor.

• Complete Solicitor vetted through the Law society.

• Escalate any documentation issues with Manager and Underwriter.

• Work in collaboration with Underwriting Team and other areas of the company to ensure service levels are maintained and targets are met.

• Provide daily updates on working pipeline to management.

• Ensure all relevant notes, including follow-up and status of files are entered into the system correctly.

• Provide mentorship and training to new Funders.

• Provide coverage for other team members pipelines in their absence.

• Handling a high volume of files in a proficient and efficient manner.

Risk Management & Compliance (20%)

• Ensure Anti-Money Laundering and Know Your Client legislation is adhered to on all files.

• Maintain comprehensive knowledge of the company’s funding procedures, legal guidelines and resources.

Communication (10%)

• Display a commitment to the highest customer service ranking in the industry.

• Communicate and work in conjunction with Underwriting and Solicitor’s to ensure the funding of Mortgage transactions is completed in a timely and efficient manner.

What we’re looking for:

• Post-secondary degree or diploma in related area or discipline (university an asset)

• Law Clerk or Paralegal accreditation(s), certification(s) are strong assets

• Minimum of 2 years funding experience or relevant law office experience

• Strong understanding of residential mortgage

• Solution-focused and takes initiative to ensure self and team work effectively and efficiently within established guidelines

• Strong organizational, time management, and strategic thinking

• Strong interpersonal relationship building and listening skills

• Effective leader who motivates and engages others through fostering a collaborative team environment

• Proven ability to work both independently and collaboratively within a team environment

• Excellent written/verbal communication and professional maturity

• Able to multi-task and flourish in a fast paced, deadline-driven work environment

• Consistently demonstrates and reinforces organizational values

• Solid knowledge of MS Office

What you’ll love about working here:

• Award-Winning Culture: We’re proud to be recognized as a and one of by Canada’s Top 100 Employers.

• Work-Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.

• Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well-being.

• Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance.

• Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue.

• Future-Ready Savings: Group Retirement Savings Plan with up to 7% employer match.

• Exclusive Perks: Discounts from top retailers via WorkPerks, plus location-based perks like gym memberships and Toronto Bike Share.

• On-Site Fitness: Gym access at our London and Montreal offices.

• Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.

• Family Support: Parental leave top-up program to help you during life’s big moments.

• Community Impact: One paid volunteer day to give back to causes that matter to you.

What you can expect - pay & process:

• Expected base salary range is $50,000 - $60,000 per year

• This posting is for an existing vacancy within our organization.

• Artificial intelligence may be used in parts of the recruitment process.

• All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire.

If what you read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for first stages of the interview process.

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