Small Commercial, Mortgage Officer

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, EdenPark 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 Small Commercial, Mortgage Officer, and be part of our talented and growing team!

About the role:

The Mortgage Officer, Small Commercial Underwriting will assist commercial originations with the completion of commercial mortgage files in accordance with Company policies and guidelines. This position will drive quality, through accuracy and efficiency while ensuring required service levels are achieved.

• Review, analyze and verify mortgage documentation/application for completeness, accuracy, suitability and risk to ensure compliance with all aspects of Home Trust Company’s underwriting policies, procedures and guidelines per delegated authority matrices
• Adhere to applicable compliance obligations including Privacy, Anti-Money Laundering/Anti-Terrorist Financing and internal Anti-Fraud Policy requirements must remain the over-arching focus in carrying out one’s responsibilities
• File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity
• Maintain consistent, objective and sound risk assessments in a high volume, service-oriented environment
• Review mortgage files to ensure client documentation meets all Company lending policies, guidelines and procedures
• Ensure the information recorded in the SAM system for all commercial mortgages is consistently accurate and complete
• Manage, compile, review and organize mortgage documentation on a timely basis in a high volume and service-oriented environment
• Maintain clean OSFI and Internal Audit reports
• Manage and remediate all internal audit and other audit findings as required
• Maintain a pipeline of all transactions and a list & file of all transactions amended or declined or approved
• Instruct files to solicitors and conduct daily follow-up with brokers to ensure all required documentation has been submitted
• Work closely with Small Commercial Underwriting to ensure file completeness
• Assist with special projects or other new initiatives as needed
• Adhere to defined Service Level Agreement in acknowledging applications and following up on additional required information
• Work effectively with all internal business partners to improve underwriting systems to maximize effectiveness and achieve excellence
• Remain current on latest developments within industry and market trends to secure competitive advantage

What we’re looking for:

• Authorized to work in Canada
• Great communication skills
• Post-secondary degree or diploma, preferably in business management, finance, or related field (university an asset)
• Post-secondary degree or diploma in related area or discipline; University degree an asset
• Additional relevant accreditation(s), certification(s) are strong assets
• 2 years in administrative environment preferably within mortgage industry an asset
• Strong organizational, time-management and analytical skills
• Strong interpersonal relationship building and listening skills
• Proven ability to work both independently and collaboratively within a team environment
• Good listener, effective written / verbal communication, and professional maturity
• Experience reviewing and adjudicating commercial mortgage applications.

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 $55,200 - $65,000 , plus the opportunity to earn an annual incentive bonus tied to performance.
• 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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