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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
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.
