Mortgage Officer

Position Description

MANDATE

The Mortgage Officer is responsible for successfully supporting overall portfolio growth in an environment focused on operational and service excellence. This role will work with the Residential Mortgage Underwriters to review residential mortgage applications, verify that file and system data is complete, conditions are fulfilled and targets are met all while adhering to service standards and building exceptional third party relationships.

ACCOUNTABILITIES

  • Manage, compile and organize mortgage application information for mortgage loans in accordance with policy and procedures to create a complete package for credit approval.
  • Conduct regular follow-ups with mortgage brokers and clients to collect outstanding documentation needed to satisfy the requirements as stipulated in the commitment.
  • Conduct client interviews in accordance with Know-Your-Client legislation and customer service requirements.
  • Instruct files to FCT and work together with Residential Funding to ensure timely closings.
  • Respond to inquiries in a timely manner to meet service standards and foster positive relationships.
  • Ensure mortgage statuses are accurate and communicated appropriately.
  • Work in collaboration with the Underwriting and Funding teams to ensure targets are being met.
  • Learn the company’s business practices, organizational structure and general policies and procedures.
  • Ensure accurate record keeping – both electronic and paper based, and ensure 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.
  • Pro-actively 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.

Qualifications Required

  • Minimum of 2 years related experience
  • Post-Secondary Education preferred
  • Demonstrates interpersonal and relationship building skills
  • Demonstrates strong negotiation and sales skills
  • Solid understanding of the general characteristics, attributes and risk factors associated with various loan types.
  • Strong knowledge of Microsoft applications (including Word, Excel and Power Point)
  • Solid written and verbal business communication skills.
  • Exceptional analytical skills and a keen eye for detail.

How to Apply

We invite you to apply easily through your LinkedIn account by clicking the link below:

To apply via email, please send you resume and cover letter here.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.