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    Senior Mortgage Underwriter - Calgary, AB, Canada - RFA

    RFA
    RFA Calgary, AB, Canada

    1 week ago

    Default job background
    Description

    Senior Mortgage Underwriter - Calgary - RFA Mortgage Corporation

    Calgary, AB, Canada Req #296

    RFA's residential mortgage lending business is operated by RFA Mortgage Corporation and RFA Bank of Canada, a federally regulated Schedule I Bank. RFA Mortgage Corporation specializes in Prime lending (Insured, Insurable, Uninsurable), while RFA Bank of Canada is a balance sheet based Alternative mortgage lender (Alt-A and B lending). Combined, RFA offers mortgage brokers a one-stop shop with our full suite of competitive Prime and Alternative mortgages.

    RFA's strategic vision is to be a long-term leader in the residential lending segment by offering a value proposition beyond just rate and compensation. Through building a competitive broker experience and solutions-oriented product suite, RFA's goal is to be recognized and recommended by our mortgage broker partners, mortgagors, and other strategic partners, for our financing solutions and broker/client experience.

    The Opportunity

    We are looking for a Senior Mortgage Underwriter to join our Western Canada team. The successful candidates will review, process, and approve mortgage applications in a timely and effective manner resulting in the achievement of RFA Mortgage Corporations overall residential mortgage underwriting policy and applicable guidelines.

    Customer Results

    • Underwrite to highest credit quality standards as defined by the Residential Mortgage Underwriter Policy.
    • Negotiate, approve, recommend, and decline applications within RFA Mortgage Corporations Residential Underwriting Guidelines, including without limitation:
    • Review of credit information
    • Review of real estate appraisals for consistency, with prevailing market conditions.
    • Terms and conditions on all mortgage applications.
    • Submit applications for insurer approval, where applicable.
    • Prepare and issue mortgage commitments.
    • Follow up on outstanding conditions/documents.
    • Review and verify accuracy of required documentation related to the mortgage commitment. Requirements include Income validation, down-payment validation, collateral validation, title, mortgage statements, tax statements, etc.
    • Modify mortgage applications related to changes in documentation reviewed; submitting to Mortgage Insurer(s) where required.
    • Identify and escalate instances of suspected fraud to Senior Management and Quality Assurance.
    • Maintain service levels in an environment of high volumes and the competing demands of customers and employees.
    • Maintain direct contact with mortgage originators via updates specific to the application from fulfillment through to closing.
    • Build and maintain exceptional customer service levels.
    Operational Efficiency and Risk Management
    • Manage work volumes to meet short timelines with a high level of quality.
    • Evaluate real estate and associated risks in a volatile market.
    • Handle difficult interactions and unpopular decisions.
    • Build relationships with mortgage brokers and related business partners.
    • Keep up to date with evolving policies and procedures.
    What you can bring to RFA:
    • Must have previous residential mortgage underwriting experience.
    • Undergraduate university degree is an asset.
    • Detailed working knowledge of real estate and covenant assessments, legislation and land title systems in all provinces
    • Detailed working knowledge of principles of credit analysis and risk management
    • Understanding of credit scoring
    • Ability to understand financial statements and assess financial viability.
    • Previous experience working with mortgage brokers or an external mortgage sale force.
    • Working knowledge of PC software in a Windows environment
    • An ability to handle pressure caused by high volumes and tight turnaround times.
    Benefits of Working at RFA:
    • Vision Care
    • RRSP Match
    • Vacation & Personal Days
    • Hybrid working environment
    Are you the Right Candidate?
    • Demonstrated ability to assess risk in a fluctuating real estate market.
    • Building productive relationships with mortgage brokers, internal mortgage agents and related business partners
    • Strong attention to detail
    • Demonstrates the ability to make decisions that consider all implications and proactive management of risk.
    • Demonstration of solid negotiation and problem-solving skills
    • Excellent interpersonal and negotiation skills
    • Ability to adapt to changing volumes.
    • Understand the needs that drive a commissioned sale force.
    • An ability to handle pressure caused by high volumes and tight turnaround times.
    • A very strong customer focus is required with an ability to ensure the customer experience is a positive one.
    • An ability to make quick accurate decisions.
    • Managing work volumes to meet short timelines with a high level of quality.
    • Evaluating real estate and associated risks in a volatile market
    • Handling difficult interactions and unpopular decisions.
    • Building relationships with mortgage brokers and related business partners
    • Keeping up to date with evolving policies and procedures
    #J-18808-Ljbffr
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