Tarificateur / Tarificatrice Principal de Prêts Hypothécaires, Tarification Complète *English Posting Below*Le rôleIl incombe au titulaire de ce poste de contribuer à l'équipe de souscription de MERIX.
Les responsabilités propres à ce poste comprennent notamment ce qui suit :- Vérifier/valider tous les renseignements exigés sur la clientèle/les hypothèques dans le cadre d'un environnement " à service complet "
- Fournir des décisions exactes et en temps voulu en matière de crédit aux émetteurs d'hypothèques
- Rassembler et documenter les rapports nécessaires sur les demandeurs de prêts hypothécaires, par exemple les antécédents en matière de crédit et le revenu
- Négocier, structurer et évaluer les demandes de prêts hypothécaires selon l'étendue définie des pouvoirs en matière d'approbation
- Préparer des recommandations à l'égard des prêts hypothécaires résidentiels qui excèdent la limite d'approbation définie et présenter des soumissions au membre de l'équipe approprié
- Veiller à la sensibilisation et à la conformité à tous les aspects du programme d'assurance de la qualité
- Demeurer au fait de toutes les lignes directrices applicables en matière de souscription.
Le bilinguisme en français et en anglais est requis pour ce poste afin d'interagir, de soutenir et/ou de fournir des services aux clients, employés et/ou partenaires francophones et non-francophones à l'intérieur et/ou à l'extérieur de la province de Québec.Votre contribution à l'équipe - Au moins 2 à 3 ans d'expérience dans l'exécution de toutes les procédures de tarification conformément aux lois et aux règlements établis
- Un minimum de 3 à 5 ans d'expérience en souscription de prêts hypothécaires
- L'expérience directe du système est considérée comme un atout
- Attitude axée sur le service à la clientèle
- Flexible et adaptable; capable de faire du multitâche sous pression
- Excellentes compétences analytiques et aptitudes à communiquer
- Capacité démontrée de respecter les échéances
- Excellent jugement et être apte à prendre des décisions de manière autonome
- Diplôme universitaire ou collégial dans un domaine connexe souhaitable
Si vous vous reconnaissez dans ce qui précède et que souhaitez faire partie de l'une des plus vastes sociétés de financement hypothécaire du Canada, faites-nous signe!
Sr. Underwriter Full CaseMCAP at a GlanceJoiningMCAP means you will be a part of our diverse workforce of highly talentedindividuals who are recognized for their expertise and success! At MCAP, yourprofessional expertise, commitment to teamwork and passion for serviceexcellence are recognized and rewarded with competitive total rewards offering,a career with continuous learning and development (formal & informaltraining), and exciting opportunities in a dynamic, entrepreneurialenvironment.
The RoleThis position is responsible for underwriting, processing and approving mortgage applications from a variety of sources including Broker, Direct and Third party from all MCAP brands. This role is accountable for full case management of a file and for building solid relationships with referral sources, to ensure volume, asset quality and profitability targets are met.
Reviewing Applications - Verify information on application and with the Credit Bureau to ensure accuracy.
- Verify information to make sure it meets company guidelines and external lender guidelines/insurer (CMHC, CG & Genworth).
- Contact the broker/client for additional information or clarification in order to decision the deal effectively.
Credit Adjudication - Adjudicate information presented and address any discrepancies or inconsistencies.
- Verify data viewed to ensure it meets company guidelines.
- Document the deal and write up rationale to support recommendation for approval .
- Condition the deal in accordance with the recommendation for approval.
- Delivers quick and creative mortgage solutions in order to structure files in order to meet company guidelines.
Service Clients - Respond to questions or concerns from all clients with the intent to build/maintain relationships
- Provide all clients with mortgage options to assist in making an informed decision.
- Maintain an 8 hour turnaround time on applications
- Respond to questions and concerns received from clients via email, fax or portal discussion within 4 hours of receipt to ensure timely and accurate completion of each mortgage transaction.
- Maintain a 24-hour turnaround time for documentation review including the timely and accurate update of all systems.
Communication with Brokers/Clients - Negotiate applications or marginal deals
- Build the business with the broker/client in order to increase the portfolio and closing percentages
Documentation Verification - Review all documentation pertaining to adjudication and approval of loan
- Mitigate potential risks identified on documentation
- Clear all conditions and associated system tasks.
Mentor Staff - Review and educate Document Specialist on the different types fulfillment documentation
- Communicate to manager or corporate program any knowledge or suggestions to aid in the continuous improvement of the business
Check for Understanding - Maintain acceptable audit results as established annually as part of the Objective setting
Bilingualism in French and English is required for this position to interact, support and/or provide services to French and non-French speaking customers, employees and/or partners inside and/or outside the province of Quebec.This position represents an existing vacancy within MCAP.
What You Bring To The Team - 3-5 years underwriting and documentation experience
- Knowledge of Real estate and covenant assessments, legislation and land title systems in all provinces preferred
- Knowledge of Legislation (e.g. Mortgage Act) regarding risk related mortgage law preferred
- Proficient in Outlook, Word, and Excel
- Ability to negotiate effectively with intermediaries
- Ability to understand financial statements and assess financial viability
- Exceptional oral and written communication skills
- Excellent organizational and time-management skills
- Ability to multi-task in a fast-paced environment
- Strong analytical and problem-solving skills
- Proven ability to foster relationships
- Strong customer service skills.
- Self-driven, motivated with the ability to work independently and in a team environment
- Carries out duties with integrity and takes responsibility for actions.
- University Degree/College Diploma, preferable
- Accredited Mortgage Professional (AMP)
- Completion of Mortgage Agent course to satisfy provincial regulatory requirements
- Completion of internal audit's credit adjudication process
- Bilingual French and English is a must have
If this sounds like you and you are looking to be a part of one of Canada's largest independent mortgage finance companies, then we want to hear from you!
Position #: req2292
Employment Status: Permanent Full Time
Location: Multiple Locations Available; Toronto, Waterloo, Vancouver, Calgary, Montreal
Department: Residential
Internal Job Title: Sr. Underwriter Full Case
Salary Range: $80,000 - $90,000
The above information in this description has been designed to indicate the general nature and level of work performed by employees in the position. It is not designated to contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
