Who we are:Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, EdenPark and Fig.Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending—we offer financial solutions tailored to all Canadians, including newcomers, small-business owners, smart investors and savvy consumers.Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada’s leading alternative lending bank. Home Trust : Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people.Join Home Trust as a Mortgage Renewal Specialist, and be part of our talented and growing team!About the role:Identify clients’ needs, negotiate mortgage rates, recognize up sell opportunities, and recommend HTC refinancing solutions to satisfy our clients and retain business. The incumbent will proactively follow up with clients for signed renewal agreement and supporting documents, and will routinely interact with borrowers, other members of the renewal team, call centre, brokers, underwriting staff, legal /collection departments. Accuracy and meeting deadlines are critical to this position.In addition:Proactively contact all Mortgage Renewal clients in an effort to secure renewal/early renewalAchieve all specified departmental and individual performance goals and objectives regarding various renewal typesNegotiate renewal mortgage rates within own discretion to achieve specified rate spread for HTCMaintain accurate and detailed notes to ensure clarity between borrower & HTCReview renewal files 30-90 days prior to maturityProactively develop, strengthen, and maintain relationship with borrowerReview credit reports and FICO scores for each file to verify we are offering correct rateEffectively identify sales potential, by way of refinancing current mortgage balance, and/or consolidating current secondary financing, or outstanding debtsChallenge/negotiate rates without compromising service and profitabilityMust know all HTC products to recommend feasible solutions to satisfy client needsRemain current and informed on our competition to retain the businessOffer Life Insurance for each renewalIdentify possible workout solutions in case of job loss/ illnessManage rate spread as specifiedMaintain current client information as applicable e.g., telephone numbers, employment detailsAchieve all specified departmental and individual goals for referrals, Life Insurance accepted applicationsEvaluate and analyze documentation supplied by client and broker (e.g., BP set up, FN8X accurate and complete) to ensure its authenticity and compliance with all aspects of Home Trust Company’s policies and guidelines per delegated authority matrices and applicable compliance obligations, including Underwriting policies and lending guidelines, Privacy, Anti-Money Laundering/ Anti-Terrorist Financing and internal Anti-Fraud Policy requirementsFile Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activityWhat we’re looking for:Post-secondary degree or diploma in related area or discipline; University degree in related discipline an assetAdditional relevant accreditation(s), certification(s) are strong assets1-3 years of experience in a similar roleCurrent knowledge of regulations regarding mortgage lending and familiarity with both conventional and government mortgage policies an assetExperience in both insured and uninsured lending spaceStrong organizational, time-management, research/ analysis, and attention to detailStrong interpersonal relationship building and listening skillsProven ability to work both independently and collaboratively within a team environmentEffective written / verbal communication, and professional maturityConsistently demonstrates and reinforces organizational valuesWhat you’ll love about working here:Award-Winning Culture: We’re proud to be recognized as a Great Place to Work Canada 2025 and one of Montreal’s Top Employers 2025 by Canada’s Top 100 Employers.Work-Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well-being.Compensation Package: Competitive base salary plus an annual incentive bonus tied to performanceComprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through DialogueFuture-Ready Savings: Group Retirement Savings Plan with up to 7% employer matchExclusive Perks: Discounts from top retailers via WorkPerks, plus location-based perks like gym memberships and Toronto Bike Share.On-Site Fitness: Gym access at our London and Montreal offices.Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.Family Support: Parental leave top-up program to help you during life’s big moments.Community Impact: One paid volunteer day to give back to causes that matter to you.For more information on who we are as an employerExpected salary range is $50,000 to $60,000 per year.This posting is for an existing vacancy within our organization.Artificial intelligence may be used in parts of the recruitment process.If what you read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for first stages of the interview process.Learn more:Follow us on LinkedIn:If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application.Fairstone is an equal opportunity employer. Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.Time Type: Full timeJob Type: Permanent
