Experienced Mortgage Underwriter- Salaried

• Reviewing Loan Applications: Review the borrower's application and ensure all necessary documents are submitted (e.g., proof of income, credit score, assets, debts).
• Analyzing Credit Risk: Assess the borrower's creditworthiness, reviewing their credit report, history, and score to determine the likelihood they will repay the loan.
• Verifying Information: They verify the applicant's financial information by contacting employers, reviewing bank statements, and ensuring no discrepancies in the provided details.
• Determining Loan Terms: Based on the risk level, the underwriter may suggest certain terms or conditions for the loan, such as the interest rate, down payment, or loan amount.
• Compliance: Ensuring that the loan adheres to regulatory requirements and lending guidelines, including federal and state laws.
• Client Consultation: Meet with clients to understand their mortgage needs, financial goals, and eligibility.

• Mortgage Advice: Provide personalized mortgage advice, including information on loan types, interest rates, terms, and repayment options.

• Loan Application Support: Assist clients with completing mortgage applications, gathering required documentation, and submitting to lenders for approval.

• Market Research: Stay up to date with the latest mortgage trends, interest rates, and policies. Keep clients informed of market changes.

• Lender Relationships: Build and maintain strong relationships with lenders and financial institutions to secure competitive mortgage terms for clients.

• Pre-Approval Process: Help clients understand the pre-approval process, advising on necessary credit scores and financial documentation.

• Documentation: Ensure all necessary paperwork is completed accurately and efficiently, including mortgage applications, contracts, and other required documents.

• Customer Service: Provide ongoing support to clients throughout the mortgage process and after the transaction is complete.
• Compliance: Ensure compliance with all regulatory requirements and industry standards.

• Education: High school diploma or equivalent (College/University degree preferred).

• License/Certification: Mortgage Agent license for Ontario is required.

• Experience: Previous experience in mortgage brokering or real estate sales is an asset.

• Excellent communication and interpersonal skills.
• Strong problem-solving abilities and attention to detail.
• Knowledge of mortgage products, interest rates, and lending policies.
• Ability to work independently and as part of a team.
• Strong organizational and time-management skills.
• Technical Proficiency: Familiarity with mortgage software and industry tools (e.g., Filogix, Zoho CRM, etc.).

• Client-focused and solution-oriented mindset.
• Trustworthy and ethical with a high level of integrity.
• Proactive in client follow-up and business development.
• Self-motivated and driven to achieve sales targets.

• Competitive compensation.
• Ongoing training and professional development opportunities.
• Flexible work environment.
• Opportunities for career advancement within the brokerage.

Mortio Financial Corp