Company: Home Trust Company
Position Title: Mortgage Officer
Previous Experience Required? 2-5 years+
Licences or Registrations Required: No licences required. University degree or equivalent experience required
Location of Position: Halifax, Nova Scotia
Applicants may contact: Candidates to apply via email: zahra.visram@hometrust.ca – resume and cover letter required

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Mortgage Officer

Purpose of the Role:

The
mortgage officer’s mandate is to work with the Mortgage Underwriters and Team
Lead to review residential mortgage loan application files to verify that
application data is complete and meets company standards.

 

Training & Development Requirements:

• AML
  Training 
• SIT/SAP
  Training
• Understanding
  of documents, commitments, instruction packages, income
• Know-your-client training

 

Scope or Impact:
This role will
perform routine duties independently while functioning in a team environment. Must be able to plan workload efficiently and
demonstrate a sense of urgency and ability to negotiate effectively. Will meet individual goals as assigned where
failure to meet goals could have a negative impact on volume of generated
business.

 

Employee Attributes: Education; Experience and Skills

Formal
Education:        

• University degree in business,
  finance or a related field 

 

Related
Experience:

• Minimum of 2 years related
  experience
• Has in-depth understanding of
  all HTC products
• Minimum 2 years in role where
  demonstrated strong negotiation and sales skills

 

Specialized
Skills:

• Demonstrates effective
  organizational and time management skills
• Excellent analytical skills
•  Ability to work independently and within
  a team environment
• Ability to adapt to a fast
  paced, changing working environment
• Must be PC literate with working
  knowledge of Microsoft Office, Mortgage Reporting, Einstein and Purview
• Communicates clearly both in
  writing and verbally
• Demonstrates interpersonal, organizational and
  relationship building skills

 

Accountabilities and Responsibilities:

File Management             60%

Risk and Compliance       20%

Other Accountabilities    20%

File Management:

• Manage, compile and organize
  mortgage application information for mortgage loans in accordance with
  policy to create and complete package for credit evaluation
• Interview all clients as per
  policy
• Complies with company standards
  with respect to files that need to be managed to ensure targets set forth
  are met
• Instructs files to solicitor
  sand follow-up to ensure timely closings
• Conduct regular follow-up with
  brokers with respect to outstanding documentation required to adjudicate
  files

 

Risk and Compliance:

• Evaluate and analyse
  documentation supplied by client and broker to ensure Anti-Money
  Laundering and Know-Your-Client legislation have been complied with and
  meets Home Trust Company’s guidelines and policies
• Ensure all transactions adhere
  to Home Policy, Standards and Guidelines

 

Other Accountabilities:          

• Ensure mortgage statuses are
  communicated to Mortgage Underwriters and Team Lead
• Order site inspections
• Respond to client, broker and
  solicitor queries in a timely, professional and courteous manner
• Collaborates with Team to ensure delivery of
  targets in accordance to company standards

 

Special Considerations:
May be required to
work overtime on an as needed basis.