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Mortgage Career: Home Trust – Mortgage Officer


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: – resume and cover letter required

Mortgage Officer

Purpose of the Role:

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
  • 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


Employee Attributes: Education; Experience and Skills


  • University degree in business,
    finance or a related field 



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


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.