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Careers

Our continued success depends on our people.

At Community Trust, you’ll discover a workplace that’s built to support you and the growth of your career. A fast-paced, growing, niche financial institution, we offer a collegial and friendly environment – one that promotes collaboration throughout the organization. We take pride in the foundation of our diverse culture, which is deeply rooted in core values that reflect a commitment to each other and the people we serve. Guided by a well-respected leadership team, Community Trust takes pride in being a flexible alternative to larger, traditional financial institutions since 1975.

When you join Community Trust, you’re joining a Company that takes pride in showing its employees that their expertise is valued. We work as a team, so you’ll be sure to have a group of like-minded co-workers who will be right there to help, challenge and motivate you. You will be encouraged to share your great ideas while discovering opportunities for self-development and continuous learning.

Our Merit

Our team is committed to keeping employees engaged, inspired, driven and appreciated. But don’t just take our word for it. Check out what other people think Community Trust is doing well:

Canada’s Best Employer for Recent Graduates

Canada’s Top Small & Medium Employers

Current Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Client Services Specialist
Position description

MANDATE:

Reporting to the Manager, Client Service Specialists, the Client Services Specialist (CSS) is responsible for managing new and existing partner and client relationships through being responsive, educated, and attentive to client needs. The CSS will be required to liaise with our back office of the Investment Services department to ensure that client needs are met through a timely turnaround and effective resolution management. As champions of customer service excellence, the CSS will impact and contribute to enhancing the client experience with each encounter with Community Trust, thus contributing to the overall success of the department.

ACCOUNTABILITIES:

  • Provide exceptional customer service to partners and clients with respect to inquiries and responses concerning CTC’s full suite of registered account plan types, including CTC’s Classic and Self-Directed accounts
  • Effectively on-board new Agents/Brokers/Partners including Mortgage Investment Corporations, Mutual Fund Trusts, & Small Businesses in accordance with department policies and procedures
  • Communicate professionally and effectively, both verbally and written with partners and clients regarding CTC’s suite of products
  • Be fluent and knowledgeable with all investment options available to registered accounts
  • Collect and provide effective hand-off for all documents required to complete back-office client account processing of financial and non-financial transactions
  • Respond to and/or investigate all internal and external client inquiries within the department service standards
  • Respond to all inbound calls to the Investment Services department within the established department service standards
  • Monitor and respond to all incoming emails in to the department’s email box within the established department service standards
  • Comply with CTC’s Client Identification policies and procedures
  • Assist clients with CTC’s Online Services
  • Process and deliver client communications including welcome letters, statement of accounts, etc. for all registered investment products
  • Maintain accurate electronic recordkeeping of client accounts in accordance with department procedures
  • Provide support and/or recommendations for process improvements to Managers as appropriate
  • Follow all AML policies and procedures with client accounts with an emphasis on “Know Your Client” rules.
  • Comply with CTC’s policies regarding the privacy of client information
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conduct appropriate inquiries and investigations in relation to any such situation and ensure that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures

 

KNOWLEDGE & SKILLS:

  • Post-secondary education in Business Administration, Accounting and Finance, Commerce or a related field
  • A minimum of 3 years’ experience within the financial services industry
  • Proven track record of exceptional customer service capabilities
  • Strong understanding of registered products, including Self-Directed, their characteristics and related CRA rules
  • Sound knowledge of Self-Directed Mortgage, Mutual Fund Trusts, CCPC, and Mortgage Investment Corporation
  • Working knowledge of financial regulatory requirements on registered products, AML, and Compliance is an asset
  • Effective organizational and time management skills
  • Strong interpersonal skills
  • Strong written and verbal communication skills
  • Intermediate knowledge of Microsoft Word, Excel, PowerPoint applications and  Google Workspace.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Copywriter
Position description

MANDATE

Working as a member of a small, full-service marketing team, the Copywriter will work in a fast-paced and demanding environment. The Copywriter will assist in the development and implementation of the Company’s marketing communications initiatives across various platforms including print, digital, events, social media, and web.

ACCOUNTABILITIES:

  • Working closely with the Marketing team members and various business partners to gain a full understanding of the content needs.
  • Receiving and interpreting project briefs to develop and execute creative content.
  • Writing and editing clear and concise marketing communications materials across a wide variety of channels, including print, digital, web, email, events, sales support, social media, blogs, editorial, presentations, video, forms, and letters.
  • Driving the creation of original concepts that result in effective and compelling communications, leveraging research and other insights wherever applicable.
  • Developing and maintaining a clear and consistent brand voice across all touchpoints.
  • Proofreading and QA testing of materials for brand voice, accuracy, consistency, spelling, grammar, punctuation, syntax, usage, formatting, etc.
  • Revising copy based on feedback/direction.

KNOWLEDGE & SKILLS 

  • Post-secondary education required.
  • 3-5 years’ experience with copywriting in a marketing environment, either agency side or client side.
  • Knowledge of financial services industry preferred.
  • Adept in and adaptable to a variety of writing techniques, including creative, conceptual, product, technical and educational.
  • Proven experience of writing for a broad range of audiences, including B2B, B2C, internal, corporate and investors.
  • Solid understanding of Search Engine Optimization and other digital strategies.
  • Proficiency with social media channels as they relate to brand and customer communication.
  • Knowledge of Adobe Creative Cloud, especially Photoshop, Illustrator and InDesign, as well as other Google Workspace products.
  • Exceptional attention to detail.
  • Excellent interpersonal and presentation skills.
  • Good organizational and time-management skills.
  • Ability to work with internal and external partners in a professional manner.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers. 

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to

meet your needs.

Other Opportunities
Client Services Specialist
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Credit Risk Analyst
Position description

MANDATE:

Reporting to the Manager, Credit Risk, the Credit Risk Analyst will participate in all aspects of conducting a Quality Control (QC) program for residential mortgages. The primary goal of the QC program is to confirm that the loans are underwritten in a manner that is consistent with the policies and procedures approved by the VPMO and the Board of Directors. The CRA is responsible for identifying loans that are not written in compliance with OSFI Guideline B20 and related best business practices. The successful candidate will have proven abilities at the expert level in data analytical skills enabling them to identify emerging key risk indicators in funded loans The Credit Risk Analyst will develop and maintain a constructive relationship with the Residential Lending department to foster an environment of support and guidance while providing independent reporting as to the quality of the loans advanced.

ACCOUNTABILITIES:

Residential Mortgage Quality Control Reviews and Reporting

  • Complete monthly post funding QC reviews of residential loans funded and renewed in preceding month in accordance with written QC procedures
  • Provide written results of the QC to the Credit Managers, underwriters, mortgage officers and lending Managers on a monthly basis.
  • Evaluate loan data at the portfolio level to select loans to review from a risk-based approach.
  • Confirm accuracy of data inputs including loan types and security codes.
  • Oversee file remediation as required resulting from QC reviews
  • Recommend revisions to QC protocols as required
  • Assist in completing Bulk Purchase and Bulk sales QC reviews
  • Track all policy exceptions
  • Provide underwriters with ongoing guidance as to best practice approach in adhering to written procedures
  • Document/update procedures in the Independent Credit Procedure Manual.

Service provider monitoring

  • Maintain the Approved Service Providers Lists, Residential Lending for Mortgage Brokers and for Appraisers.
  • Manage the SP monitoring and DNU reports.
  • Conduct monitoring on providers names to the above lists

Best Business Practices

  • Develop a comprehensive understanding of CTC lending policies and regulatory requirements.
  • Assist in developing and delivering training tools and resources for the residential underwriting teams.
  • Recommend policy and procedure changes in keeping with best business practices in a regulatory environment.
  • Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
  • Actively adhere to all AML/ATF and KYC regulatory requirements
  • Pro-actively identify actual and potential violations of, any internal policies and procedures.
  • Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

KNOWLEDGE & SKILLS:

  • Minimum 5+ years’ experience in a Quality Control capacity within a residential mortgage lending environment
  • Strong demonstrated analytical and logical thinking
  • Thorough knowledge of residential mortgage underwriting practices including Guideline B20, income documentation standards and supporting operational processes
  • Experience in risk management including portfolio monitoring and reporting
  • Strong working knowledge of KYC and AML/ATF required
  • Experience in report preparation and presentation using G Suite and Microsoft office applications
  • Ability to multitask and to work under pressure
  • Exceptional interpersonal skills
  • Excellent written and verbal communication skills
  • Strong organizational and time management skills
  • Exceptional attention to detail

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Credit Risk Analyst (1 Year Contract)
Position description

MANDATE:

Reporting to the Director, Credit Risk Management, the Credit Risk Analyst will participate in all aspects of conducting a Quality Control (QC) program for residential mortgages. The primary goal of the QC program is to confirm that the loans are underwritten in a manner that is consistent with the policies and procedures approved by the VPMO and the Board of Directors. The CRA is responsible for identifying loans that are not written in compliance with OSFI Guideline B20 and related best business practices. The successful candidate will have proven abilities at the expert level in data analytical skills enabling them to identify emerging key risk indicators in funded loans. The Credit Risk Analyst will develop and maintain a constructive relationship with the Residential Lending department to foster an environment of support and guidance while providing independent reporting as to the quality of the loans advanced.

ACCOUNTABILITIES:

Residential Mortgage Quality Control Reviews and Reporting

  • Complete monthly post funding QC reviews of residential loans funded and renewed in preceding month in accordance with written QC procedures
  • Provide written results of the QC to the Credit Quality Assurance Specailsits, underwriters, mortgage officers and lending Managers on a monthly basis.
  • Evaluate loan data at the portfolio level to select loans to review from a risk-based approach.
  • Confirm accuracy of data inputs including loan types and security codes.
  • Oversee file remediation as required resulting from QC reviews
  • Recommend revisions to QC protocols as required
  • Assist in completing Bulk Purchase and Bulk sales QC reviews
  • Track all policy exceptions
  • Provide underwriters with ongoing guidance as to best practice approach in adhering to written procedures
  • Document/update procedures in the Independent Credit Procedure Manual.

Service provider monitoring

  • Maintain the Approved Service Providers Lists, Residential Lending for Mortgage Brokers and for Appraisers.
  • Manage the SP monitoring and DNU reports.
  • Conduct monitoring on providers names to the above lists

Best Business Practices

  • Develop a comprehensive understanding of CTC lending policies and regulatory requirements.
  • Assist in developing and delivering training tools and resources for the residential underwriting teams.
  • Recommend policy and procedure changes in keeping with best business practices in a regulatory environment.
  • Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
  • Actively adhere to all AML/ATF and KYC regulatory requirements
  • Pro-actively identify actual and potential violations of, any internal policies and procedures. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

KNOWLEDGE & SKILLS:

  • Minimum 5+ years’ experience in a Quality Control capacity within a residential mortgage lending environment
  • Strong demonstrated analytical and logical thinking
  • Thorough knowledge of residential mortgage underwriting practices including Guideline B20, income documentation standards and supporting operational processes
  • Experience in risk management including portfolio monitoring and reporting
  • Strong working knowledge of KYC and AML/ATF required
  • Experience in report preparation and presentation using G Suite and Microsoft office applications
  • Ability to multitask and to work under pressure
  • Exceptional interpersonal skills
  • Excellent written and verbal communication skills
  • Strong organizational and time management skills
  • Exceptional attention to detail.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Enterprise Fraud Risk Analyst
Position description

MANDATE:

Reporting to the Enterprise Fraud Manager, this role is responsible for providing effective analysis to aid in the delivery of a proactive fraud prevention and detection strategy. The role will oversee fraud risk analysis throughout the enterprise.

Working closely with the Fraud Manager & and business partners, this role will support the development and implementation of controls, policies and procedures, reporting, monitoring, strategies and Fraud Management programs throughout the enterprise.

The Enterprise Fraud Risk Analyst will monitor industry trends and offer recommendations and actionable insights on internal controls.

ACCOUNTABILITIES:

Support the Manager on:

  • A holistic enterprise-wide lens on fraud risk and fraud prevention
  • Assist in the implementing of an enterprise-wide fraud management system through a request-for-proposal process
  • The development of intelligence on fraud trends to prevent fraud losses
  • The development of fraud risk requirements within projects within the enterprise
  • Completing an enterprise-wide fraud risk assessment and create regular control reviews for the assessment
  • Standing up Fraud Operations and Fraud Risk within QuestBank and other Questrade Financial Group ventures
  • Research and insight into industry best fraud management practices
  • Identification of system enhancements to improve fraud management
  • Maintaining productive relationships with all internal and external stakeholders
  • Operationalizing analysis and insights by working with third-party vendors and internal partners to communicate requirements and risks
  • Communicating project status, developments, and issues with the Fraud Manager and Chief Risk Officer, Community Trust Company, and other Fraud leadership proactively
  • Assist the Fraud Manager to develop and maintain effective fraud reporting, within differing business lines and enterprise-wide

KNOWLEDGE & SKILLS:

  • Highly developed analytical and problem solving skills. You approach fraud-related data with the right questions and know how to recognize trends. You develop and use structured approaches to identify root causes and opportunities.
  • Excellent written and verbal communication skills.
  • Comfortable using data manipulation and visualization software such as SQL & Power BI
  • Familiarity with Python or other programing language to complete data aggregation, cleansing, and analysis is an asset.
  • 1-2 years’ experience with fraud risk
  • Completion of the Certified Fraud Examiner or Certified Financial Crime Specialist designation considered an asset

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Graphic Designer
Position description

MANDATE:

Working as a member of a small, full-service marketing team, the Graphic Designer will work in a fast-paced and demanding environment. The Graphic Designer will assist in the development and implementation of the Company’s marketing communications initiatives across various platforms including print, digital, events, social media, and web.

ACCOUNTABILITIES:

  • Working closely with the Marketing team members and various business partners to gain a full understanding of the design needs.
  • Receiving and interpreting project briefs to develop, execute and produce creative communications.
  • Art directing, designing, and producing marketing materials across a wide variety of channels, including print, digital, web, email, events, sales support, promotional items, social media, blogs, editorial, presentations, video, forms, and letters.
  • Driving the creation of original concepts that result in effective and compelling communications, leveraging research and other insights wherever applicable.
  • Developing and maintaining a clear and consistent brand visual identity across all touchpoints.
  • Sourcing of images and maintenance of asset libraries.
  • Revising layouts based on feedback/direction.
  • Managing production vendors in relation to selection, cost estimation, and quality control.

KNOWLEDGE & SKILLS:

  • Post-secondary education required.
  • 3-5 years’ experience with design and production in a marketing environment, either agency side or client-side.
  • Knowledge of the financial services industry preferred.
  • Adept in and adaptable to designing for a variety of situations, including creative, conceptual, product, technical and educational.
  • Proven experience in designing for a broad range of audiences, including B2B, B2C, internal, corporate, and investors.
  • Expert proficiency with Adobe Creative Cloud, especially Photoshop, Illustrator, and InDesign, as well as other Google Workspace products.
  • Exceptional attention to detail.
  • Excellent interpersonal and presentation skills.
  • Good organizational and time-management skills.
  • Ability to work with internal and external partners in a professional manner.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Manager, Residential Lending (Vancouver, British Columbia)
Position description

MANDATE:

The Manager, Residential Lending is responsible for leading a team of Underwriters and Mortgage Officers in an environment focused on service and operational excellence. The position plays an important role in the compliance, risk and credit management of the business by ensuring full adherence to CTC’s policies, procedures and regulatory requirements. This role is responsible for team development and ensuring goals are met which, in turn, successfully contributes to the overall corporate results.

ACCOUNTABILITIES:

Managerial Leadership

  • Champion and emanate our mission: WE CARE deeply about helping Canadians and each other.
  • Foster a resilient workplace and culture that is aligned with Community Trust’s vision and values
  • Inspire and motivate direct reports to do their best; provide creative thought leadership while also listening, engaging others to participate and promoting innovation across the organization.
  • Lead by example by performing at high levels across all competencies.
  • Effectively manage performance, including the establishment of clear goals and expectations, coach team members with candid and regular feedback.
  • Effectively manage talent, including careful assessments and evaluations of team members, hold effective career conversations, determine optimal training and recruit and develop a talented and diverse team.
  • Optimize teamwork by articulating how team members work collaboratively to fulfill program, department and corporate objectives while consistently make time for team building and development.

Business Operations

  • Provide the effective leadership, oversight, tools and support that the Underwriters and Mortgage Officers need to be successful with the day-to-day operations.
  • Work in collaboration with the team to closely manage pipelines, collect outstanding documentation needed to satisfy the requirements as stipulated in the commitment and close deals on a timely basis.
  • Responsible for consistent adherence to predetermined Service Level Agreements.
  • Together with the Credit Managers, support effective compliance, risk management and risk controls in the origination of the residential mortgage business portfolio by exercising consistent, objective and sound credit decisions in accordance with risk appetites, policies and procedures.
  • Conduct analysis on declined and cancelled deals to identify trends and recommend solutions to minimize lost opportunities.
  • Review and decision mortgage applications recommended by staff for completeness and accuracy to ensure compliance with all aspects of Community Trust policy, procedures, pricing and risk appetite.
  • Successfully contribute to the Residential Lending results, ensuring that growth and profitability targets are being met.
  • Together with the Director, develop and implement strategies for growth and profit maximizing opportunities.
  • Develop and strengthen a network of mortgage broker relationships.
  • Manage escalations from brokers and CTC Business Development Managers and act as point of contact when necessary.
  • Maintain up to date knowledge of the competition, industry trends and market conditions.
  • Ensure that all records are stored and retained to meet Company standards.
  • Provide effective complaint resolutions as per complaint handling process.
  • Continuously identify and execute best practice process improvements, eliminate redundancies and identify system and/or reporting needs.
  • Ensures, through effective oversight, the proper implementation of policies, procedures and controls pertaining to Residential Mortgage Lending, Anti-Money Laundering, Know Your Client, Privacy, Complaints Handling and Regulatory Compliance Management, as required by regulations.
  • Through coaching and oversight, promotes a strong risk culture by ensuring that the effective implementation of regulatory policies and procedures are embedded in the performance assessment of all staff.

KNOWLEDGE & SKILLS:

  • Minimum of 5 years progressive experience in residential lending.
  • Minimum 2 years management experience in the finance industry.
  • University degree in business, economics or related field, is preferred.
  • Established reputation and well respected in the residential mortgage industry.
  • Solid leadership skills, with a focus on mentoring and motivating an employee base of professionals.
  • Strong interpersonal and relationship building skills.
  • Solid understanding of the characteristics, attributes and risk factors associated with various loan types.
  • Knowledge of personnel policies, practices, and procedures.
  • Strong attention to detail and able to complete tasks with a high degree of accuracy.
  • High level of integrity, confidentially, and accountability.
  • Sound analytical thinking, planning, prioritizing, and executing skills.
  • A well-defined sense of diplomacy, including solid negotiation, conflict resolution, and people management skills.
  • Strong knowledge of Microsoft applications (including Word, Excel and Power Point) familiarity with the internet and related applications as tools for conducting research.
  • Strong focus on service excellence.
  • Solid written and verbal business communication skills.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Mortgage Funding Specialist
Position Description

MANDATE:

Reporting to the Manager, Mortgage Funding, the Mortgage Funding Specialist is responsible for the settlement and delivery of all advances of mortgage loan funding for all products and business lines including Residential Lending and Investment Services. The Mortgage Funding Specialist will provide support and funding services to the Residential Lending and Investment Services Departments and will contribute to the success of the department in achieving their goals while remaining focused on operational excellence, compliance and delivery of superior customer service.

ACCOUNTABILITIES:

  • Collaborate with the Residential Lending team to ensure that deals close efficiently, and on time to achieve department targets
  • Collect and review all pertinent documents received from the solicitor, agent, broker or investor for IGO/NIGO to ensure documents meet all requirements and outstanding conditions and files are complete.
  • Follow up with FCT and/or Solicitor for all required information.
  • Collaborate with the originations team to resolve outstanding conditions.
  • Direct entry loan origination of private and syndicated mortgages.
  • Process all transactions within the established service level agreement.
  • Issue advance cheques or submit SWIFT Payment requests to solicitors with accuracy.
  • Responsible for all post funding due diligence, including ensuring file is complete, brokers/agents are paid and Advance, Welcome and Property Tax letters are sent on a timely basis.
  • Respond promptly and collaboratively to resolve any system and accounting issues as identified by finance.
  • Establish and maintain key relationships with external business partners, such as solicitors, brokers, and 3rd parties.
  • Respond to and/or investigate all internal and external client inquiries within the department service standards
  • Ensure accurate record keeping – both electronic and paper based and ensure that all records are stored and retained to meet CTC standards.
  • Follow all AML policies and procedures with client accounts with an emphasis on “Know Your Client” rules
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conduct appropriate inquiries and investigations in relation to any such situation and ensure that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

 

KNOWLEDGE & SKILLS:

  • Minimum of 2 years related experience in mortgage funding, law office, financial services, or a related role.
  • Post-Secondary Education preferred.
  • Sound understanding of registered products including Self-Directed, Private and Syndicated Mortgages
  • Working knowledge of financial regulatory requirements on registered products, AML, and Compliance is an asset
  • Demonstrates effective organizational and time management skills.
  • Demonstrates interpersonal and relationship building skills.
  • Solid written and verbal business communication skills.
  • Strong analytical skills.
  • Intermediate knowledge of Microsoft Word, Excel, Power Point and Outlook
  • Detail oriented with an acute attention to accuracy.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Mortgage Default Specialist
Position Description

MANDATE:

Reporting to the Manager, Mortgage Servicing, the Mortgage Default Specialist is responsible for initiating Community Trust Company’s (“CTC”) default process for residential and commercial mortgage loans in default and addressing self-directed private and syndicated mortgages in chronic arrears. The Mortgage Default Specialist is responsible for the follow up and collection of all unpaid and/or returned mortgage payments and resolution of all accounts in default. This role is responsible for responding to internal and external client inquiries and contributes to the success of the department achieving their goals while remaining focused on operational excellence, compliance and delivery of superior customer service.

ACCOUNTABILITIES:

  • Initiate the default process starting with the negotiation of payment arrangements and settlements, and ensuring agreements are fulfilled.
  • Recommend appropriate enforcement action to management and/or the Special Handling Committee
  • Responsible for the completion of all specific loans provision analysis, including the recommendation of reserves or provisions.
  • Provide clear direction to property managers for properties in possession, to ensure an expeditious sale.
  • Process any manual ad-hoc mortgage payments in response to collected default payments as required.
  • Reconcile and balance all collected mortgage payments daily.
  • Prepare reporting of loans in default, monitored loans, properties in possession and accounts in chronic arrears due to pending legal action
  • Process all transactions with a high degree of accuracy within the established service level agreement and in accordance with CTC’s corporate and department policies and procedures
  • Respond to and/or investigate all internal and external client inquiries within the department service standards.
  • Maintain accurate electronic record keeping of client accounts in accordance with department procedures.
  • Provide recommendations for process improvements to Manager, Mortgage Servicing as appropriate.
  • Follow all AML policies and procedures with client accounts with an emphasis on “Know Your Client” rules
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conduct appropriate inquiries and investigations in relation to any such situation and ensure that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures
  • Provide support to the Manager, Mortgage Servicing as required.

KNOWLEDGE & SKILLS:

  • Minimum of 2 years related experience in mortgage administration and/or servicing and/or collections within the financial services industry or a related role.
  • Post-Secondary Education preferred.
  • Experienced in Commercial funding, an asset.
  • Working knowledge of financial regulatory requirements on registered products, AML, and Compliance is an asset
  • Demonstrates effective organizational and time management skills.
  • Demonstrates interpersonal and relationship building skills.
  • Solid written and verbal business communication skills.
  • Strong analytical skills.
  • Intermediate knowledge of Microsoft Word, Excel, Power Point and Outlook.
  • Detail oriented with an acute attention to accuracy.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Mortgage Officer
Position Description

*A flexible work environment with the ability to work from home or in the office*

MANDATE:

The Mortgage Officer is responsible for successfully supporting overall portfolio growth in an environment focused on operational and service excellence. This role will work with the Residential Mortgage Underwriters to review residential mortgage applications, verify that file and system data is complete, conditions are fulfilled and targets are met all while adhering to service standards and building exceptional third party relationships.

ACCOUNTABILITIES:

  • Manage, compile and organize mortgage application information for mortgage loans in accordance with policy and procedures to create a complete package for credit approval.
  • Conduct regular follow-ups with mortgage brokers and clients to collect outstanding documentation needed to satisfy the requirements as stipulated in the commitment.
  • Conduct client interviews in accordance with Know-Your-Client legislation and customer service requirements.
  • Instruct files to FCT and work together with Residential Funding to ensure timely closings. Respond to inquiries in a timely manner to meet service standards and foster positive relationships.
  • Ensure mortgage statuses are accurate and communicated appropriately.
  • Work in collaboration with the Underwriting and Funding teams to ensure targets are being met.
  • Learn the company’s business practices, organizational structure and general policies and procedures.
  • Ensure accurate record keeping – both electronic and paper based, and ensure that all records are stored and retained to meet Company standards.
  • Identify continuous improvement opportunities.
  • Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

KNOWLEDGE & SKILLS:

  • Minimum of 2 years related experience
  • Post-Secondary Education preferred
  • Demonstrates interpersonal and relationship building skills
  • Demonstrates strong negotiation and sales skills
  • Solid understanding of the general characteristics, attributes and risk factors associated with various loan types.
  • Strong knowledge of Microsoft applications (including Word, Excel and Power Point)
  • Solid written and verbal business communication skills.
  • Exceptional analytical skills and a keen eye for detail.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Mortgage Servicing Specialist
Position description

MANDATE:

This role is responsible for providing best in class service and support to both internal and external clients, third (3rd) party servicers or investors and successfully contributing to the overall servicing targets in an environment focused on operational and service excellence.

ACCOUNTABILITIES:

  • Responsible for maintaining key relationships and providing best in class service to all 3rd parties, investors, brokers and partners.
  • Ensure remittances are posted promptly and liaise with third (3rd) party servicing companies to reconcile all out of order loan payments.
  • Remittances are prepared and sent to all 3rd parties and investors in the agreed upon timelines set out in service agreements
  • Responsible for reviewing system service packs, testing and assessing new enhancements.
  • Perform cash management (bank reconciliations, wire transfers, cash balances, etc.) and liaise with Finance and Treasury to ensure general ledger transactions are accurate for all serviced loans.
  • Prepare and distribute the outstanding checklist reports.
  • Responsible for preparing and producing information statements.
  • Process manual payments as required.
  • Respond to and process all payment frequency &/or date changes.
  • Respond to customer inquiries in a timely manner.
  • Provide back up support for timely remittance of interim, final and supplemental tax installments to all municipalities. Review mortgage tax accounts, ensuring sufficient funds are available and action as necessary.
  • Responsible for the production and distribution of the commercial annual review and maturity reports, together with related correspondence letters.
  • Responsible for maintaining and the organization of all electronic mortgage files
  • Ensure accurate record keeping – both electronic and paper based and ensure that all records are stored and retained to meet Company requirements.
  • Identify continuous improvement opportunities.
  • Assist with the ongoing maintenance and updating of related procedures.
  • Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

KNOWLEDGE & SKILLS:

  • Minimum of 2 years related experience.
  • Post-Secondary Education preferred.
  • Demonstrates effective organizational and time management skills.
  • Demonstrates good interpersonal and relationship building skills.
  • Solid written and verbal business communication skills.
  • Strong analytical skills.
  • Detail oriented with an acute attention to accuracy.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers. 

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Property Valuation Specialist
Position description

MANDATE:

The Property Valuation Specialist is responsible for reviewing and approving residential property valuations from all provinces, in advance of or post funding, to confirm that properties are assessed in a manner that is in full adherence to CTC’s policies, procedures, default insurer and regulatory requirements. The Property Valuation Specialist will foster an environment of support and guidance while maintaining oversight of property valuation processes in an environment focused on operational and service excellence.

ACCOUNTABILITIES:

  • Review property valuations, including traditional appraisals, automated valuation models and inspections to confirm the report and property meets policy standards.
  • Maintain understanding of CTC’s policies, procedures, regulatory requirements.
  • Own, maintain and communicate the Approved Appraisers List which includes onboarding due diligence for new appraisers as well as ongoing reviews of existing appraisers or valuation models.
  • Responsible for ad-hoc audits of property valuation models and/or reports, including arranging peer reviews for CTC key appraiser’s reports from time to time.
  • Commit to the timely completion of appraisal reviews in support of superior customer engagement to both borrowers and brokers.
  • Respond to enquiries from Mortgage Operations on suitability of real estate offered as security including restricted property type determinations.
  • Maintain key internal and external relationships.
  • Confirm accuracy of data inputs, robustness of property valuation methodologies.
  • Provide constructive quality assurance and performance tracking statistics.
  • Monitors real estate market conditions, and related economic environments, identifying changing trends that might impact the business and make necessary recommendations accordingly.
  • Identify policy and procedures gaps or updates pertaining property valuations.
  • Continuously identify best practice opportunities such as process improvements, policy & procedure changes, elimination of redundancies, system changes and/or reporting needs.
  • Participate in or lead various projects in support of business plan and/or best practice plan initiatives.

KNOWLEDGE & SKILLS:

  • Minimum 5+ years combined in property valuations across Canada and/or credit manager role within a regulated, residential alternative lending environment.
  • Experience as an appraiser or real estate agent is a definite asset.
  • Knowledge of residential mortgage underwriting practices focusing on property valuation reviews is an asset.
  • Solid understanding of the characteristics, attributes and risk factors associated with various property types.
  • Sound analytical thinking, planning, prioritizing, and executing skills.
  • Experience in report preparation and presentation
  • Ability to work under pressure through fluctuating volume periods.
  • A well-defined sense of diplomacy, including solid and conflict resolution skills.
  • Exceptional interpersonal skills and relationship building skills.
  • Excellent written and verbal communication skills.
  • Strong organizational and time management skills.
  • Exceptional attention to detail and able to complete tasks with a high degree of accuracy.
  • Experience with Salesforce, Power BI and Google applications is an asset.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Processing Officer (1 Year Contract)
Position description

MANDATE:

The Processing Officer (“PO”) is responsible for supporting the residential lending team to provide operational and service excellence. The role is accountable for managing documentation flow to ensure clients’ needs are met through a timely turnaround.  As a champion of customer service excellence, the PO will impact and contribute to enhancing the client experience with each encounter with Community Trust, thus contributing to the overall success of the department.

ACCOUNTABILITIES:

  • Manage a department e-mail inbox with respect to mortgage-related documentation and inquiries within established service standards.
  • Document labeling, sorting, and indexing as per department requirements.
  • Collect and provide effective hand-offs for all documents required to complete customer or partner requirements.
  • Review mortgage documentation to ensure each document is complete and accurate based on Community Trust’s requirements.
  • Complete daily data entry requirements.
  • Be fluent and knowledgeable with all processes and procedures.
  • Communicate with internal contacts to ensure service level standards are met and foster positive relationships
  • Ensure accurate record-keeping – both electronic and paper-based and ensure service levels are all recorded are stored.
  • Identify continuous improvement opportunities.
  • Adhere to compliance and operational risk controls in accordance with the company’s policies and procedures.

KNOWLEDGE & SKILLS:

  • Post-secondary education preferred.
  • Proven track record of exceptional customer service capabilities
  • Demonstrates effective organizational and time management skills
  • Demonstrates strong interpersonal and relationship building skills
  • Solid written and verbal business communication skills
  • Strong analytical skills
  • Detail-oriented with acute attention to accuracy

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Registered Account Administrator
Position Description

MANDATE:

This role is responsible for the daily administration of registered accounts including RRSP, RRIF, TFSA, RDSP, and Locked – In products, consistent with Community Trust Company’s policies and procedures. This role is responsible for responding to internal and external client inquiries, provides support to the Team Leader, Investment Services, and contributes to the overall department targets while remaining focused on operational excellence and delivery of superior customer service engagement. This role reports directly to the Manager, Administration, Investment Services and administratively to the Team Leader, Investment Services.

 

ACCOUNTABILITIES:

  • Provide exceptional customer service with the opening and ongoing administration of CTC’s Classic and Self-Directed registered accounts, including on-line account access/service
  • Review of all documents received for accuracy and completeness prior to processing
  • Process all client requested financial and non-financial transactions in accordance with CTC’s corporate and department policies and procedures
  • Respond to and/or investigate all internal and external client inquiries within the department service standards
  • Effectively on-board new Agents/Brokers/Partners including Mortgage Investment Corporations, Mutual Fund Trusts, & Small Businesses in accordance with department policies and procedures
  •  Process and deliver client communications including welcome letters, statement of accounts, etc. for all registered investment products
  • Contribute to effective and accurate client reporting through the issuing of official Tax forms and reconciliation of withholding taxes
  • Maintain accurate electronic recordkeeping of client accounts in accordance with department procedures
  • Provide support to Team Leader and Manager as required
  • Provide recommendations for process improvements to Team Leader and/or Manager as appropriate
  • Follow all AML policies and procedures with client accounts with an emphasis on “Know Your Client” rules
  • Comply with CTC’s policies regarding the privacy of client information
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conduct appropriate inquiries and investigations in relation to any such situation and ensure that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures

 

KNOWLEDGE & SKILLS:

  • Post-secondary education in Business Administration, Accounting and Finance, Commerce or a related field
  • A minimum of 2 years’ experience within the financial services industry
  • Sound understanding of CRA rules on registered products and their characteristics is an asset
  • Strong knowledge of Self-Directed registered products
  • Working knowledge of financial regulatory requirements on registered products, AML, and Compliance is an asset
  • Effective organizational and time management skills
  • Strong interpersonal skills
  • Strong written and verbal communication skills
  • Intermediate knowledge of Microsoft Word, Excel and Power Point applications and Outlook

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers. 

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Residential Mortgage Underwriter (Toronto)
Position Description

Mandate

The Residential Mortgage Underwriter is responsible for successfully contributing to overall portfolio growth and for maximizing profitability in an environment focused on operational and service excellence. This role is responsible for determining the credit worthiness of customers based on established lending criteria, exception management and pricing determinations all while meeting performance targets, ensuring adherence to service standards and building exceptional third party relationships.

Accountabilities

  • Successfully contribute to the Residential Lending results, ensuring growth and profitability targets are being met.
    Develop a network of mortgage brokers and respond to inquiries in a timely manner to meet service standards and foster positive relationships.
    Maintain knowledge of Community Trust residential mortgage underwriting policies, procedures and products.
    Negotiate, structure and evaluate received mortgage applications according to internal policies.
    Manage portfolio risk by exercising consistent, objective and sound credit decisions within authorized limits, escalating with rationale to support recommendation where appropriate.
    Issue mortgage commitments with appropriate conditions and follow up with mortgage brokers for sign back.
    Work in collaboration with the Mortgage Officer to closely manage pipelines, collect outstanding documentation needed to satisfy the requirements as stipulated in the commitment and close deals on a timely basis.
    Provide the highest level of internal and external customer service.
    Participate in business development activities, tradeshows and presentations as required.
    Maintain up to date knowledge of the competition, industry trends and market conditions.
    Ensure accurate record keeping – both electronic and paper based and ensure that all records are stored and retained to meet Company standards.
    Identify continuous improvement opportunities.
    Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
    Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
    Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

Qualifications Required

  • Minimum of 2 years related experience in alternative lending.
  • Post-Secondary Education preferred.
  • Demonstrates interpersonal and relationship building skills.
  • Solid understanding of the general characteristics, attributes and risk factors associated with various loan types.
  • Strong knowledge of Microsoft applications (including Word, Excel and Power Point)
  • Demonstrates strong negotiation and sales skills.
  • Solid written and verbal business communication skills.
  • Strong analytical skills.
  • Demonstrates effective organizational and time management skills.
  • Solid written and verbal business communication skills.
  • Exceptional analytical skills and a keen eye for detail.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Vancouver)
Risk Analyst
Quality Coach (Questrade)
Residential Mortgage Underwriter (Vancouver)
Residential Mortgage Underwriter (Vancouver)

MANDATE:

The Residential Mortgage Underwriter is responsible for successfully contributing to overall portfolio growth and maximizing profitability in an environment focused on operational and service excellence. This role is responsible for determining the credit worthiness of customers based on established lending criteria, exception management and pricing determinations all while meeting performance targets, ensuring adherence to service standards and building exceptional third-party relationships.

ACCOUNTABILITIES:

  • Successfully contribute to the Residential Lending results, ensuring service, growth and profitability targets are being met.
  • Respond to inquiries in a timely manner to meet service standards and foster positive mortgage broker relationships.
  • Maintain knowledge of residential mortgage underwriting policies, procedures and products.
  • Negotiate, structure and evaluate mortgage applications according to internal policies.
  • Manage portfolio risk by exercising consistent, objective and sound credit decisions within authorized limits, escalating with rationale to support recommendation where appropriate.
  • Issue mortgage commitments with appropriate conditions and follow up with mortgage brokers for sign back.
  • Closely manage pipelines, collect outstanding documentation needed to satisfy the requirements as stipulated in the commitment and close deals on a timely basis.
  • Provide the highest level of internal and external customer service.
  • Participate in business development activities, tradeshows and presentations as required.
  • Maintain up to date knowledge of the competition, industry trends and market conditions.
  • Ensure accurate record keeping – both electronic and paper based and ensure that all records are stored and retained to meet Company standards.
  • Identify continuous improvement opportunities.
  • Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

KNOWLEDGE & SKILLS:

  • Minimum of 2 years related experience in residential origination, particularly Alternate Lending.
  • Post-Secondary Education preferred.
  • Demonstrates interpersonal and relationship building skills.
  • Solid understanding of the general characteristics, attributes and risk factors associated with various loan types.
  • Strong knowledge of Microsoft applications (including Word, Excel and Power Point)
  • Demonstrates strong negotiation and sales skills.
  • Solid written and verbal business communication skills.
  • Strong analytical skills.
  • Demonstrates effective organizational and time management skills.
  • Solid written and verbal business communication skills.
  • Exceptional analytical skills and a keen eye for detail.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Risk Analyst
Quality Coach (Questrade)
Risk Analyst
Position Description

MANDATE:

Reporting to the Director, Risk Management, the Risk Analyst will have a significant level of involvement in all areas of Enterprise Risk Management (“ERM”), credit risk, and reporting at Community Trust Company (“CTC”) and Questrade Financial Group (“QFG”). The Risk Analyst will work closely with members of the Risk Management team and other internal business units to develop, enhance, report, and monitor Key Risk Indicators, Stress Testing, Credit Risk monitoring, and other ERM, Operational Risk Management, and Credit Risk related work as required.

ACCOUNTABILITIES:

  • Prepare risk reports for Senior Management, the Board, and Regulators by using Excel, Google Sheets, and Power Bi.
  • Streamline reporting through the use of tools such as Power Bi and Google Sheets.
  • Execute, enhance, and develop monthly and quarterly stress tests.
  • Seek out opportunities for improvement in current reports and tools.
  • Participate in the ongoing enhancements of the ERM Program.
  • Maintain a detailed database of Risk framework-related information to allow for effective Risk trending, monitoring, and mitigation.
  • Document and monitor Business Impact Assessments.
  • Determine general business trends and analysis tools for tracking various risk metrics.
  • Other duties and ad-hoc risk analysis as assigned.

KNOWLEDGE & SKILLS:

  • Post-secondary degree required in a business or related field.
  • Experience in monitoring/reporting on risk appetite, risk tolerance, and risk framework-related items.
  • Expert working knowledge of Microsoft Excel, VBA, Sheets, and experience working with Google Workspace.
  • Basic working knowledge of Power Bi
  • Basic working knowledge of SQL, Tableau, Power Query, and/or Python preferred, but not required.
  • 1+ years of experience in a risk management role within the financial services industry.
  • Effective communication skills (written and verbal).
  • Knowledge of the mortgage industry and/or lending operations.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Quality Coach (Questrade)
Quality Coach (Questrade)
Position description

MANDATE:

The purpose of the Quality Coach is to improve the quality of service and selling effectiveness delivered by telephone, email and live chat to both clients and Brokers The Quality Coach works closely with the Mortgage Operations and Investment Services departments to establish quality standards and performance benchmarks for contact agents. They monitor customer interactions for quality, provide coaching and feedback to individual agents and prepare quality reports and recommendations for presentation to team Supervisors and Managers. In addition, the Quality Coach conducts bi-weekly team quality meetings, and delivers training to new and existing agents

ACCOUNTABILITIES:

  • Identify client interaction Quality criteria specific to each of Community Trusts Company’s (CTC) communication channels: Telephone, Live chat, e-mail
    Update and review quality service standards and performance benchmarks for each criterion
    Monitor client interactions on each communication channel
    Regularly collate, analyze and present client feedback to supervisors and managers
    Document quality performance results and provide balanced feedback to individual agents
    Prepare and present quality performance reports to managers (individual, team, department, etc.)
    Evaluate and compare performance results and trends with standards, controls and procedures
    Create customized coaching and development plans for agents according to individual performance levels
    Make recommendations to managers for continued service quality improvement
    Develop and deliver soft skills training to new employees, emphasizing CTC’s quality first standard and service benchmarks
    Deliver periodic workshops and seminars relative to service quality
    Remain current on client expectations as they relate to sales and service
    Monitor industry trends and best practices for improvement opportunities
    Develop, update and maintain all relevant training material for the Residential Lending team.
    Assist client facing departments with understanding and implementing a standardized CTC’s quality format (if requested)
    Assist with special projects and other duties as assigned

KNOWLEDGE & SKILLS:

  • 1 year of Client Services or Sales experience
  • Consistently meets quality and productivity benchmarks
  • Advanced knowledge of Excel
  • Strong benchmarking, reporting and presentation skills

Personal attributes ideal for the role:

  • Excellent communication skills including the ability to provide meaningful feedback and present professional reports well developed interpersonal skills
  • Results driven
  • Commitment to continual learning.

Professional Development Recommendations:

  • Coaching Skills Development Job Description
  • Training Delivery Skills Development

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Client Services Specialist
Copywriter
Credit Risk Analyst
Credit Risk Analyst (1 Year Contract)
Enterprise Fraud Risk Analyst
Graphic Designer
Manager, Residential Lending (Vancouver, British Columbia)
Mortgage Funding Specialist
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Property Valuation Specialist
Processing Officer (1 Year Contract)
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Risk Analyst