Souscripteur, Spécialiste de crédit

Job not on LinkedIn

🔥 0 minutes ago

🇨🇦 Canada – Remote

💵 $61.6k - $113.9k / year

⏰ Full Time

🟠 Senior

🔴 Lead

📋 Underwriter

👻 Ghost score 0%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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BMO U.S.

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

🛡️ Insurance

💼 Consulting

📦 Logistics

Insurance • Consulting • Logistics

BMO U. S. is a diversified financial services company operating in the United States. It offers a broad range of financial products and services including personal and business banking, mortgage services, investments, financial planning, insurance, and wealth management. Additionally, it provides commercial loans, commercial mortgages, and other financial solutions tailored for small businesses and large enterprises. The company places a strong emphasis on customer service and offers digital and cross-border banking solutions to meet the needs of diverse clients. BMO U. S. is also involved in asset management and capital markets operations, making it a full-service financial institution.

📋 Description

• Analyze new customer credit applications • Make credit decisions and recommendations in accordance with credit-granting principles • Develop solutions and recommendations based on business strategy and stakeholder needs • Advise assigned business/groups on solution implementation • Support strategic initiatives with internal and external stakeholders • Determine business priorities and execution sequence • Conduct independent analysis and assessment to resolve strategic issues • Collaborate with stakeholders and ensure alignment to deliver business objectives • Analyze data and information to provide insights and recommendations • Design and produce regular and ad-hoc reports and dashboards • Monitor and track performance and address issues • Build change-management plans and lead or participate in change-management activities • Develop tailored messaging, including writing, editing, and distributing communications • Execute routine service requests, transactions, and queries within service-level agreements • Provide input into operational program planning and implementation • Adjudicate new credit applications within defined limits or recommend credit products • Complete credit analyses to adjudicate applications • Respond promptly and professionally to inquiries and escalate issues • Assist customers and conduct credit-related transactions • Keep current with processes, policies, regulations, products, credit policies, services, and legal, regulatory, and technology requirements • Contact customers to obtain, clarify, or confirm information • Apply and document sound credit-granting applications and lending decisions • Follow security and safeguarding procedures to reduce credit and lending risks • Identify, diagnose, and solve problems within applicable rules • Work independently on complex tasks and unique situations • Apply BMO’s Risk Management Framework, Risk Culture, and approved Risk Appetite to make sound, risk-informed decisions and protect assets

🎯 Requirements

• Typically between 8+ years of relevant experience and post-secondary degree in Business or a related field of study or an equivalent combination of education and experience • 8+ years of mortgage underwriting experience - required • Federal Housing Administration (FHA) and U.S. Department of Veterans Affairs (VA) in the U.S. - required • Strong comprehension of HUD Handbook 4155.1 and 4155.2 in the U.S. - required • Prior relationship management experience - preferred • Expertise in credit and lending products, related regulatory requirements, and secondary market guidelines • Experience with web-based approval systems (DU/LP) - required • In-depth pipeline management - required • Strong comprehension of complicated income structures, including income from multiple sources • In-depth knowledge of competitive marketplace and trends in product offerings • Ability to identify/manage potential risk • In-depth knowledge of cash flow, credit, and evaluating collateral • In-depth knowledge of complex credit request structures that minimize risk while providing business value to the customer • Working knowledge of credit policies, procedures, principles, and philosophy • Thorough knowledge of software used to capture credit applications • Strong ability to analyze complex financials and tax returns • Strong familiarity with credit financial analysis techniques • Technical proficiency gained through education and/or business experience • In-depth verbal and written communication skills • In-depth collaboration and team skills • In-depth analytical and problem-solving skills • In-depth influence skills • In-depth data-driven decision-making skills • Fluent in French and English to support business operations outside the province of Quebec

🏖️ Benefits

• Health insurance • Tuition reimbursement • Accident and life insurance • Retirement savings plans • Performance-based incentives • Discretionary bonuses • Other perks and rewards • In-depth training and coaching • Manager support • Network-building opportunities • Tools and resources to reach new milestones • Accommodations available on request during the selection process