The HR Pro.ca
1 - 10 employees
Founded 2020
👥 HR Tech
🎯 Recruiter
🏢 Enterprise
HR Tech • Recruitment • Enterprise
The HR Pro. ca is a company dedicated to supporting small businesses through HR consulting and recruitment expertise. Their certified team of Human Resources professionals provides tailored solutions to meet both short-term and long-term HR needs, ensuring that business owners can focus on growth while having access to best practices in HR, leadership, and recruitment. The HR Pro fosters strong partnerships built on trust and confidentiality, prioritizing the interests of their clients.
Team Mortgage Underwriter
Job not on LinkedIn
🕒 2 days ago
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The HR Pro.ca
1 - 10 employees
Founded 2020
👥 HR Tech
🎯 Recruiter
🏢 Enterprise
HR Tech • Recruitment • Enterprise
The HR Pro. ca is a company dedicated to supporting small businesses through HR consulting and recruitment expertise. Their certified team of Human Resources professionals provides tailored solutions to meet both short-term and long-term HR needs, ensuring that business owners can focus on growth while having access to best practices in HR, leadership, and recruitment. The HR Pro fosters strong partnerships built on trust and confidentiality, prioritizing the interests of their clients.
📋 Description
• Review borrower applications, including income documentation, credit bureau, and property details to assess overall file strength and completeness before submission. • Evaluate various income types including salaried, hourly, and self-employed / declared income using supporting documentation such as bank statements, NOAs, and financials. • Compare application details against lender guidelines to determine suitability and identify potential concerns early in the process. • Recommend appropriate lenders and deal structure based on borrower profile, income type, credit strength, and overall risk positioning. • Identify inconsistencies, missing documentation, or potential “deal killers” early and work with agents to address gaps before submission. • Ensure files are complete, logical, and submission-ready with a clear narrative for the lender. • Work closely with mortgage agents to clarify missing information, confirm details, and guide files toward a clean and complete submission. • Support the preparation of lender submissions through platforms such as Velocity or Filogix, ensuring documentation and notes are accurate and aligned. • Communicate with lenders to confirm requirements, respond to questions, and help move files forward efficiently. • Review and interpret lender conditions at a high level, ensuring agents understand requirements and next steps. • Proactively follow up on outstanding items to keep files moving and avoid delays. • Provide concise, accurate, and timely communication to both agents and lenders, ensuring alignment and minimizing back-and-forth. • Ensure all files are handled in accordance with FSRA regulations and brokerage compliance standards. • Support the verification of borrower identity, employment, and financial profile to ensure accuracy and completeness. • Maintain awareness of Anti-Money Laundering (AML) requirements and escalate any inconsistencies, red flags, or unusual activity as required. • Review documentation for consistency, completeness, and authenticity, identifying discrepancies across income, credit, and application details. • Maintain a high level of diligence when reviewing documents to help prevent potential mortgage fraud or misrepresentation. • Ensure all notes, documents, and file updates are clearly recorded and organized for internal tracking and potential audit review. • Follow internal workflows, checklists, and documentation standards to ensure consistency across all files.
🎯 Requirements
• 1-3 years of mortgage underwriting experience within a brokerage or lender environment • Experience working with multiple lenders in a brokerage setting • Strong knowledge of Canadian mortgage products, lender guidelines, and compliance requirements • Familiarity with self-employed borrowers, including income review and declaration-based files • Proficiency with Velocity, Filogix, or similar mortgage submission platform • Experience using Google Workspace (Docs, Drive, Gmail) or similar tools • Strong understanding of FINTRAC, AML, and mortgage compliance requirements • High attention to detail with a focus on documentation accuracy and file completeness • Strong communication and active listening skills, particularly when working with agents • Ability to manage multiple files in a fast-paced, high-volume environment • Highly organized, proactive, and solution-oriented
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