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    Commercial Mortgage Funder - Toronto, Canada - Home Trust

    Home Trust
    Home Trust Toronto, Canada

    2 weeks ago

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    Description

    Company Profile

    Home Trust Company has developed a track record of success as Canada's leading alternative lender, employing nearly 850 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of our core residential and commercial mortgage lending business, the Company and its affiliates also offer complementary lending services and competitive deposit investment products. Our culture has been shaped by the passion and integrity of our people. Home Trust is a private company.

    The Operations Team manages the administration of business practices to create the highest level of efficiency possible within the organization. The group is concerned with delivering the products and services as efficiently as possible to maximize profit. The Operations team oversees people, equipment, technology, information and all other required resources in the delivery products and services. It is also responsible for driving operational excellence and supporting key business objectives while fostering a culture of respect, trust and integrity.

    Position Overview

    The Commercial Mortgage Funder will effectively and efficiently review commercial legal documentation and fund mortgage deals, providing a high level of customer service to HTC customers and their solicitors in accordance with company policies and procedures.

    Position Responsibilities

    File Management (70%)

  • Ensure service standards are attained for processing all mortgage advances in accordance with company policies and procedures
  • Ensure all funded deals are accurate and complete
  • Prepare mortgage advances
  • Process assignments, assumption and progress draws in relation to commercial guidelines
  • Review corporate documentation of relevant entities, legal documentation to the transaction and client identification and ID Forms in order to ensure that all funding and AML criteria have been satisfied and outstanding conditions are met by prescribed deadlines;
  • A good understanding of the structure and requirements associated with Publicly Traded Companies, Family Trusts, Partnerships, Third Party Determination and Politically Exposed Persons;
  • Ensure that all proper documentation has been obtained in order to determine Beneficial Ownership;
  • Identify and recommend methods to improve operating efficiencies within the team
  • Collaborate with Originations Team and Fulfillment Officers to ensure service levels are maintained and targets are met
  • Provide daily updates
  • Daily postings for Finders fees
  • Fund the required daily average of applications
  • Ability to maintain a 95% accuracy rate on a monthly basis
  • Be cross trained to be able to cover the role of a Fulfilment Officer on an as needed basis
  • Provide mentorship and training to new Funder Specialists as required
  • Provide coverage on an absent Funding Specialist's desk, when asked

    • Risk Management and Compliance (20%)

  • Ensure Anti-Money Laundering and Know Your Client legislation is adhered to on all files
  • Accountable for all mortgage transactions as assigned
  • Maintain comprehensive knowledge of the company's funding procedures, legal guidelines and resources

    • Communication (10%)

  • Display a commitment to the highest customer service ranking in the industry
  • Communicate with solicitors' offices in a professional manner
  • Follow up with solicitors to confirm closing and obtain registered Charge/Mortgage

    • Formal Education

  • Bachelor's degree required in Finance, Business or equivalent
  • Certification(s)/Designation(s) preferred

    • Related Experience

  • 2 years of experience with commercial funding
  • Strong understanding mortgages

    • Skills & Knowledge

  • Strong understanding of commercial mortgages
  • Excellent written and verbal communication
  • Solution-focused, takes initiative to work effectively within established guidelines
  • Strong organizational and time-management skills, detail orientation
  • Able to source and interpret complex data and drive fact-based analysis
  • Strong interpersonal, relationship-building and listening skills
  • Proven ability to work both independently and collaboratively within a team environment
  • Able to multi-task and flourish in a fast-paced, deadline-driven work environment
  • Strong MS Office skills and an aptitude for learning new systems and processes
  • Flexibility to work some extra hours at peak volume times, as needed

    • Skills

    Position Complexities

  • Bilingualism an asset
  • Some work beyond standard hours

    • Acknowledgement

    All employees of Home Trust Company must comply with all applicable Home Trust Company, and specific Line of Business policies, standards, guidelines and controls. Additionally, all employees are obligated to become familiar with Home's risk management framework and understand the operational risk management requirements within their specific business. Employees are also expected to understand and comply with the Company's Code of Business Conduct & Ethics Policy at all times and escalate any issues or concerns through various reporting channels ( Customer Complaints Appeals Office (CCAO), Compliance Hotline, Whistleblower Policy, etc).

    Home Trust is committed to fair and accessible employment practices and we are committed to providing accommodations for persons with disabilities. If you require accommodations in order to apply for any job opportunities, or require this posting in an additional format, please contact us at or If you are contacted by Home Trust regarding a job opportunity or testing and require accommodation in any stage of the recruitment process, please use the above contact information. We will work with all applicants to determine appropriate accommodation for individual accessibility needs.

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