Trevor Frances Recruitment is seeking a dynamic individual to join an award winning Canadian residential mortgage lender obsessed with customer satisfaction. They are focused on providing brokers with the best experience when it comes to funding their prime mortgage files. A focus on relationship building, best in market tech, and an all-star team to take the file from start to finish and beyond. They have partnered with all 3 mortgage insurers, and will be offering insured, insurable, and uninsurable products.

PURPOSE OF ROLE:

The Senior Mortgage Underwriter is the primary point of contact for all originator interaction. Further, they are responsible for the review, processing and approval of mortgage applications, ensuring strict adherence to their residential mortgage underwriting policy, procedures, and applicable guidelines.

RESPONSIBILITIES:

Deliver an exceptional customer service experience in every interaction
Investigate, evaluate, negotiate, and approve or decline applications based on authorized lending limits and within their Underwriting guidelines and current legislation
Assist other Underwriters and Fulfillment with questions or concerns
Build, maintain and enhance customer service levels. Verify and validate customer eligibility and material risk documentation for accuracy while mitigating any concerns surrounding suspected misrepresentation
Gather any necessary information required to coordinate and analyze credit applications and ensure consistent, objective, and sound credit decisions in a high-volume environment
Analyze and submit recommendations regarding credit applications which exceed their authorized limit
Analyze and submit (where applicable) applications requiring Mortgage Insurer approval, in compliance with guidelines
Verify data and information on mortgage applications and credit bureaus to ensure accuracy
Ensure the attainment of service standards for processing applications in accordance with company policies and procedures
Resolve any escalated credit issues, reply to internal and external client queries, and communicate credit decisions
Keeps up to date on applicable legislation, as well as on the company’s policies, programs, procedures, and mortgage insurer policies
Ensure awareness and compliance with all aspects of the QA program
Continuously learn, adapt, engage, and grow in your role and as an integral part of the organization