Questrade Financial Group (QFG), through its companies - Questrade, Inc., Questrade Wealth Management Inc., Community Trust Company, ThinkInsure, Zolo, and Flexiti, provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, insurance, real estate services, financial services and more. Questrade uses cutting-edge technologies to develop innovative products that give customers better, more affordable ways to take control of their money.
We are everything a traditional financial institution is not. At QFG, you will be constantly moving forward, bringing the future of fintech into existence. You will be a part of a collaborative team that cares deeply about our mission and each other. Your team members will help you conquer challenges, push boundaries and discover what you are truly capable of.
This is a place where you can explore, discover and learn with continuous growth. As a diverse and inclusive place to work, with a hybrid working environment you can unleash your creativity and curiosity with no limits. If you share the same sense of infinite possibility, come shape your future at QFG.

What’s in it for you as an employee of QFG?

• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days for work-life balance
• Competitive compensation and benefits packages
• Work-life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment

We’re looking for our next Senior Residential Mortgage Underwriter. Could it be you?
The Senior Residential Mortgage Underwriter - Originations is responsible for successfully contributing to overall portfolio growth and maximizing profitability in an environment focused on operational and service excellence. The role is responsible for a senior lending approach to determining the credit worthiness of customers based on established lending criteria. This includes higher risk complexities, exception management and pricing determinations all while meeting performance targets and ensuring adherence to service standards.
Need more details? Keep reading…

• Successfully contribute to the Residential Lending results, ensuring growth and profitability targets are being met.
• Maintain knowledge of Community Trust residential mortgage underwriting policies, procedures, and products.
• Negotiate, structure, and evaluate received mortgage applications according to internal policies.
• Manage portfolio risk by exercising consistent, objective and sound credit decisions within authorized limits, escalating with rationale to support recommendation where appropriate.
• Responsible for the review of complex deals, higher risk credit analysis and/or escalations.
• Issue mortgage commitments with appropriate conditions.
• Effectively review and manage escalations within a predetermined Service Level Agreement.
• Provide mentorship and guidance within the respective team.
• Assist Manager, Residential Lending as required.
• Effectively partner with Mortgage Advisory to deliver top of class experience to our partners.
• Maintain up to date knowledge of the competition, industry trends and market conditions.
• Ensure accurate record keeping and that all records are stored and retained to meet Company standards.
• Identify continuous improvement opportunities.
• Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
• Proactively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
• Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.
• Effectively manage tasks and cases to adhere to predetermined Service Level Agreements

So are YOU our next Senior Residential Mortgage Underwriter? You are if you…

• Minimum of 5 years’ experience in residential origination, preferably in the alternative lending space.
• Demonstrated ability to provide alternate solutions based on product and guideline availability.
• Post-Secondary Education preferred.
• Demonstrates interpersonal and relationship building skills.
• Solid understanding of the general characteristics, attributes and risk factors associated with various loan types.
• Working knowledge of Google Workspace applications.
• Demonstrates strong negotiation and sales skills.
• Solid written and verbal business communication skills.
• Strong analytical skills.
• Demonstrates effective organizational and time management skills.
• Solid written and verbal business communication skills.
• Exceptional analytical skills and a keen eye for detail.

Additional kudos if you are…

• Capable of handling multiple tasks and meeting stringent deadlines.
• Tactful, diplomatic, and politely persistent.
• Results oriented.
• Self-motivated, confident, and capable of working both independently and in a team environment.
• Bring a positive, can-do attitude to our organization, using creative solutions to solve problems.
• Establish and build on healthy working relationships with your team and peers.
• Work well in a dynamic and fast paced environment with the ability to navigate through organizational change.
• Committed to providing outstanding customer service.