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mortgage underwriter
Posted on November 07, 2024 by Employer details PMT Mortgage Corp.
Job details
*Position Overview * We believe that every employee is equally important in meeting our company goals regardless of their specific responsibilities, and we back this statement up through our profit-sharing program. The Mortgage Fulfillment Specialist is responsible for successfully supporting overall portfolio growth in a fast-paced and customer-centric environment. They manage relationships with assigned clients, provide best-in-class mortgage advice, and mentor support staff who assist with onboarding clients and fulfilling tasks. This role ensures that documentation relating to mortgage files is reviewed, verified, and completed in compliance with credit policies and service standards. *Responsibilities* (Tasks associated with the role) _*Performance *_ * Learn the company's culture, values, business practices, organizational structure and general policies and procedures. * Handle all client interactions from Commitment to Closing and maintain a high level of client satisfaction * Successfully contribute to the funding results, ensuring growth and profitability targets are met. * Effectively manage tasks and cases to adhere to predetermined Service Level Agreements. * Achieve and maintain targets for volume, compliance, and service excellence * Identify continuous improvement opportunities. _*Compliance*_ * Effectively partner with Mortgage Professionals to deliver a top-of-class experience to our clients and ensure company targets are being met. * Take ownership of approved files, being responsible for updating the mortgage application and all internal information to accurately reflect documentation provided and ensure the application continues to meet qualification requirements. * Evaluate and analyze mortgage applications, including income, assets, liabilities, property, credit, business financials, and purchase agreements provided by the client * Verify the information received to ensure accuracy, then recommend financing strategies and solutions based on your file assessment and understanding of lending guidelines. * Review mortgage documentation to ensure each document is complete and accurate based on the lender's credit policies, procedures, and anti-money laundering requirements. * Maintain knowledge of residential mortgage underwriting policies, procedures, products, and relevant legislation. * Ensure accurate record-keeping and that all records are stored and retained to meet Company standards. * Follow AML procedures on all files, emphasizing "Know Your Client" rules. _*Customer Excellence*_ * Exceptional client relationship management, providing an outstanding client experience through top-notch advice and courteous, professional service * Handle all financing questions for clients you manage, assess client needs to understand each client's goals and finances. _*Communication*_ * Liaise with lenders, lawyers, apprasiers, and negotiate the best financing options on behalf of clients * Respond to questions or concerns from clients in a timely and courteous manner to ensure timely and accurate completion of each mortgage transaction * Communicate with internal contacts to ensure service level standards are met and foster positive relationships. * Ensure mortgage statuses are accurate and communicated appropriately. * Resolve escalated issues and offer solutions to maintain high client satisfaction *Requirements* (Expected Proficiencies) * High school diploma or equivalency * Three years of ACTIVE mortgage industry experience * Licensed as a mortgage agent/broker * Experience underwriting mortgage transactions and familiarity with underwriting guidelines with various lenders. * Excellent organization skills with the ability to manage deadlines and generate results in a fast-paced environment * Excellent attention to detail, accuracy, and ability to problem-solve independently * Effectively use email, internet, Excel, file sharing, e-signatures, PDF documents, CRM system, Office 365, MS Teams, Zoom, and D+H- LocationNorth York, ON
- Workplace information On site
- Salary$55,000 to $95,000YEAR annually
- Terms of employment Permanent employmentFull time
- Starts as soon as possible
- vacancies 1 vacancy
- Source indeed.com #9519359805
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