Mortgage Officer (Regular and Bilingual)

Company Profile

Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 850 people in our Toronto headquarters and branches across the country.

Building on the demonstrated strength of our core residential and commercial mortgage lending business, the Company and its affiliates also offer complementary lending services and competitive deposit investment products.

Our culture has been shaped by the passion and integrity of our people. Home Trust is a private company.

The Residential Lending business unit works directly with brokers and borrowers to offer a variety of solutions while providing outstanding service to our clients.

As a key segment of Home Trust’s business, our focus will remain on core residential products as we position ourselves for continued success.

We drive business volumes consistent with our risk appetite, adhering to the Company’s legislative and regulatory requirements, and supporting key business objectives to enhance employee engagement and capability while fostering a culture of respect, trust and integrity.

Position Overview

Assist Mortgage Originations with the completion of residential 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.

Position Responsibilities

File Quality Management (60%)

• Review mortgage files and ensure client documentation meets all Company lending policies and guidelines and is accurate and complete
• Manage, compile, review and organize mortgage documentation on a timely basis in a high volume and service-oriented environment

Communication (20%)

• Instruct files to solicitors
• Conduct daily follow-up with brokers to ensure all required documentation has been submitted
• Escalate unusual transactions to manager
• Communicate effectively with all internal and external contacts

Risk and Compliance (20%)

• Collect and review documentation supplied by client and broker to ensure its authenticity and compliance with all aspects of Home Trust Company’s policies and guidelines per delegated authority matrices and applicable compliance obligations including Underwriting Policies and Lending Guidelines, Privacy, Anti-Money Laundering / Anti-Terrorist Financing and internal Anti-Fraud Policy requirements
• File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity

Formal Education

• Post secondary degree or diploma required (University degree preferred) in related area
• Certification(s) / Designation(s) preferred

Related Experience

2 years in administrative environment preferably within mortgage industry an asset

Skills

• Problem solving - exceptional
• Proactive / takes initiative / self starter
• Time management, highly organized
• Questioning / curious / information gathering
• Multi-tasking in fast paced, deadline driven environment
• Team player
• Collaborating
• Interpersonal relationship building
• Communication (verbal and written) - excellent
• Professional maturity- exceptional
• Mortgage Reporting
• Loan origination software
• MS Office Suite - proficient

Position Complexities

• Bilingualism required
• Some work beyond standard hours

Acknowledgement

All employees of Home Trust Company must comply with all applicable Home Trust Company, and specific Line of Business policies, standards, guidelines and controls.

Additionally, all employees are obligated to become familiar with Home’s risk management framework and understand the operational risk management requirements within their specific business.

Employees are also expected to understand and comply with the Company’s Code of Business Conduct & Ethics Policy at all times and escalate any issues or concerns through various reporting channels ( Ombudsman, Compliance Hotline, Whistleblower Policy, etc).