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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
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (Questrade)
Account Manager, Investment Services
Position Description

MANDATE:

Reporting to the AVP Operations Investment Services, the Account Manager is responsible for activities that support the growth and management of the Investment Services portfolio of accounts and assets through the onboarding of new partners, the development and effective execution of a sound retention program, diligent follow up of sales leads and referrals and through the development and strengthening of existing partner relationships. This role will focus on service excellence and will significantly contribute to ongoing improvements to the level of customer service delivered. As champions of customer service excellence, this role will contribute and impact enhancing the client experience with each interaction with Community Trust, thus contributing to the overall success of the department.

ACCOUNTABILITIES:

  • Follow up on all sales leads referred to by CTC’s Internal and External Business Development Managers and Client Services Specialists
  • Identify and develop new leads from internal sources
  • Support all business development initiatives organized by the department
  • On board all new Issuers referred by internal and external Business Development Managers in accordance with department policies and procedures
  • Provide an information procedure review with all newly on boarded Issuers, Syndicators, Lawyers & Mortgage brokers / agents as required
  • Conduct timely annual reviews for all on boarded Issuers and manage their statuses accordingly
  • Follow up on all inactive on boarded Issuers and partners
  • Effectively manage the relationships of all on boarded Syndicators including escalations as they arise
  • Develop a Retention Program, execute effectively and re-evaluate its effectiveness regularly
  • Follow up on all pending Transfers Out and Transfers In
  • Provide exceptional customer service to partners and clients with respect to inquiries and escalations
  • Manage special partner/client department projects
  • Be knowledgeable of CTC’s full suite of registered account plan types, including Classic and Self-Directed accounts
  • Communicate professionally and effectively, both verbally and written with partners and clients on CTC’s suite of products
  • Be fluent and knowledgeable of all investment options offered by CTC to registered account holders
  • Collect and provide effective hand-off for all documents required to complete back-office client account processing of financial and non-financial transactions
  • Provide support to the Client Services Specialist team with client inquiries, inbound and outbound calls, incoming emails 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
  • Maintain accurate electronic recordkeeping of client accounts in accordance with department procedures
  • Provide support and 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 with respect to 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 Private & Syndicated Mortgages, Mutual Fund Trusts, Mortgage Investment Corporation and other Exempt Market Products
  • Working knowledge of financial regulatory requirements of 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, Outlook and Google Docs, Sheets and Slides

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

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (Questrade)
Commercial Servicing Analyst
Position Description

MANDATE:

Reporting to the Director, Mortgage Servicing, the Commercial Servicing Analyst will be the key point of contact for all servicing matters relating to commercial loans held on behalf of investors including both conventional and Canada Mortgage Housing Corporation (CMHC) insured loans. The individual, with the assistance of the Mortgage Servicing team, will serve as a liaison between borrowers and investors to ensure appropriate loan management and delivery of documents and loan renewals, as necessary. CMHC loans held on behalf of investors will require additional administration wherein the individual will be required to complete annual credit reviews, property inspections, and ensure adherence to any specific requirements of the CMHC certificate.

This role will be responsible for co-ordinating and facilitating the credit review of loans being offered for inclusion in the Canada Mortgage Bond (CMB) program. This will require an audit and review of externally prepared credit presentations to confirm the appropriateness of the investment. The individual will also be responsible for the review and approval of post CMB funding requests and inquiries.

 

ACCOUNTABILTIES:

  • For commercial loans serviced by CTC, liaison between borrowers and investors to facilitate with the investor’s ability to review and renew loans. This includes collecting information from borrowers to be delivered to investors for the investor’s own analysis and adjudication as it may pertain to annual reviews, loan renewals or other matters.
  • Convey renewal terms (or other matters) as approved by the investors to borrowers and with a view to finalizing documentations, including renewal documents, on the investor’s behalf.
  • For CMHC loans serviced by CTC, liaison with borrowers and investors to ensure appropriate file administration, including completing annual reviews and property inspections, with special attention to ensuring property operations adhere to conditions of the CMHC certificate of insurance. This may include the administering of reserve accounts including the review of draw requests to ensure the use of funds is in accordance with CMHC requirements and conditions.
  • Review of all financial information received from the borrower’s, comparing to previous underwriting, to determine if any request for change to the mortgage is supported with back-up. If the loan is in the Special Handling Department, complete reports and provide input to reports, required by SHC.
  • Prepare and send monthly remittances to investors.
  • Complete annual reviews on loans within CTC’s portfolio.
  • Serve as the key point of contact in coordinating and completing full credit reviews and audits of potential investment pools being offered for inclusion in the CMB Program. CMB credit audits will include a review of externally prepared underwriting presentation and supporting documentation to ensure appropriate underwriting methodology and conclusions, with specific attention to confirm lending metrics align with both CMHC standards and CTC’s own internal lending policies.
  • Manage all post funding requests relating to loans held via the CMB Program, including the review and approval of undertaking fulfillment, as well as requests for consent to additional financing, assumptions and other items as may be required.

 

KNOWLEDGE & SKILLS:

  • 3-5 years of experience in commercial real estate lending with a focus on multi-family / CMHC underwriting.
  • A keen understanding of commercial credit and risk with demonstrated ability to issue sound judgment when reviewing and considering files.
  • A comprehensive understanding of valuation and underwriting methodology to facilitate annual reviews of CMHC loans being serviced by CTC, or any loans remaining on CTC’s book.
  • A firm understanding of CMHC requirements in relation to both the CMB program and the servicing and administration of CMHC insured loans.
  • Experience in commercial mortgage renewals including drafting renewal letter, refreshing AML, and legal documentation as may be required.
  • Intermediate knowledge of Microsoft Word, Excel and other related applications.
  • Strong analytical skills and a keen eye for detail.
  • Able to work with and handle multiple competing priorities to meet deadlines.
  • Able to recognize and appropriately handle sensitive and confidential personal information.
  • Demonstrated superior planning, organizational and time-management skills.

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

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (Questrade)
Manager, Credit Risk Modeling, Strategy & Analytics
Position Description

MANDATE:

The Manager, Credit Risk Modeling, Strategy & Analytics will play an integral part for product launch and ongoing management of various retail banking lending products. The individual will be responsible for developing credit models and credit strategy for lending products. The role will require sophisticated analytical problem solving and developing state of the art credit strategies.

The individual will be responsible for developing and validating credit risk models (PD & LGD) and analyzing large datasets to develop various regression models. In addition, the individual will be responsible for designing the credit strategy and leveraging the models. The role requires that the incumbent is extremely hands on with data analytics tools and software e.g., SAS, Python, SQL. The role will require the individual moving seamlessly across areas of modeling, strategy development, conducting adhoc analytics and reporting.

ACCOUNTABILITIES:

  • Developing credit risk models
  • Developing underwriting criteria for auto adjudication of retail lending products
  • Working with Products team to incorporate nuanced criteria in credit strategy
  • Implementing models and strategy in the production system working with Technologies
  • Developing and maintaining documentation for models and strategy
  • Communicating the effectiveness of the strategy to senior leadership team
  • Devising Test & learn approach in credit decision
  • Tracking credit strategy performance
  • Conducting model performance tracking and validation
  • Conducting credit risk analytics
  • Loss forecasting
  • Portfolio reporting
  • Recommending changes in credit strategy based on credit performance

KNOWLEDGE & SKILLS:

  • Bachelor degree or higher in a quantitative discipline e.g., Mathematics, Statistics, Economics
  • Master’s degree preferred
  • 5+ years in credit risk management in retail baking
  • Passionate about modeling and analytics
  • 3+ years of hands on modeling experience
  • 5+ years of experience in credit risk management
  • Experience in developing Logistic, OLS Regression, GLM, CHAID, Tree and other machine learning techniques
  • Experience of developing NPV based credit decision logic
  • SAS, Python, SQL
  • Experience of credit strategy development for acquiring new customers
  • Comfortable working with numbers and the ability to drill down

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

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (Questrade)
Manager, Vendor and Change Management
Position Description

MANDATE:

Reporting to the Chief Risk Officer, the Manager, Vendor and Change Management will be responsible for numerous activities related to Vendor and Change Management. These activities will support Community Trust Company’s compliance with OSFI regulatory requirements outlines in guidelines B-10 and E-21.

ACCOUNTABILITIES:

Vendor/Outsourcing Related:

  • Managing and maintaining data integrity of third-party questionnaire responses (including contract information) throughout the Vendor Lifecycle
  • Create and complete management reports and related action items
  • Be responsible for ensuring vendor governance activities are occurring in line with policy requirement.
  • Coordinate and meet with vendors to conduct control testing and on-site reviews to determine vendor performance.
  • Onboarding / offboarding of vendors from a centralized VMC perspective.
  • Coordinate and meet with vendor relationship owners to complete annual reviews
  • Developing & demonstrating SME level knowledge on Outsourcing regulatory requirements
  • Provide training to a variety of internal stakeholders involved in the Vendor Management Process at CTC
  • Determine and implement appropriate process improvements required at CTC.
  • Maintain on-going list of third – party vendors arrangements to ensure tracking for (i) vendor concentration (ii) reliance on vendors for critical activities (iii) costs (iv) services
  • Sundry duties as assigned.

Change Management Related:

  • Assist in enhancing and managing CTC’s OSFI compliant Change Management Program.
  • Coordinate the completion of Project Risk Assessments, and Post Implementation reviews.
  • Develop, enhance, complete Change Management reporting to senior management.
  • Sundry duties as assigned.

KNOWLEDGE & SKILLS:

  • Minimum 1-2 years of Vendor/Change Management experience at OSFI regulated institution
  • Strong demonstrated analytical and logical thinking
  • Experience in vendor management
  • Strong working knowledge of OFSI regulations required
  • Ability to multitask and to work under pressure
  • Excellent written and verbal communication skills
  • Strong organizational and time management skills

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

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (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:

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (Questrade)
Mortgage Officer
Position description

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:

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (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:

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Officer
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (Questrade)
Processing Officer
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 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 labelling, 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 to ensure service levels are all recorded are stored.

·      Identify continuous improvement opportunities.

  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

KNOWLEDGE AND 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 an acute attention to accuracy

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

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (Questrade)
Residential Mortgage Underwriter (Toronto)
Position Description

MANDATE:

The Residential Agile Mortgage Underwriter is responsible for successfully contributing to overall portfolio growth and maximizing profitability in an environment focused on operational and service excellence. The role is responsible for the full credit adjudication process from determining the credit worthiness of customers based on established lending criteria along with the review and fulfillment of the mortgage conditions. This includes exception management, pricing determinations and documentation review and acceptance all while meeting performance targets and 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 relationship with Community Trust approved 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 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 and documentation.
  • Review mortgage documentation to ensure each document is complete and accurate based on Community Trust’s credit policies, procedures and anti-money laundering requirements.
  • Instruct files to FCT and work together with Residential Funding to ensure timely closings.
  • Provide the highest level of internal and external customer service.
  • 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 3 years experience in residential origination,
  • 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 and Google applications (including G-Suite, 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:

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (Questrade)
Residential Mortgage Underwriter (Mississauga)
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:

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Senior Legal Counsel (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:

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Senior Legal Counsel (Questrade)
Senior Legal Counsel (Questrade)
Position Description

We’re looking for our next Senior Legal Counsel. Could It Be You?  

Questrade is seeking a driven, ambitious legal professional that demonstrates sound judgment and solid business acumen with a pragmatic and solution-oriented approach to law. Should have legal experience in banking, real estate, and financial services, as well as general corporate/commercial law and expertise in compliance-related matters. Must be responsive and resourceful.

Need more details? Keep reading…  

Responsibilities will include but not be limited to

  • Assessing and managing risk
  • Offering counsel on a variety of legal issue
  • Advising on legal implications or procedures for business development initiatives and strategy planning
  • Advising on contract status, legal risks, and the legal liabilities associated with different deals
  • Keeping up-to-date on changes to legislation, regulations, and relevant legal news
  • Researching and anticipating unique legal issues that could impact the company
  • Reviewing advertising and marketing materials to ensure that they are in compliance with legal requirements
  • Providing training to the company on legal topics

So are YOU our next Senior Legal Counsel? You are if…   

  • You hold a J.D. or LL.B, be licensed to practice law and a member in good standing in any jurisdiction in Canada
  • You have 3-10 years of legal experience in banking and/or mortgage related setting

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

To apply via email, please send your resume and cover letter to careers@Communitytrust.ca.

Community Trust Company welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Other Opportunities
Account Manager, Investment Services
Commercial Servicing Analyst
Manager, Credit Risk Modeling, Strategy & Analytics
Manager, Vendor and Change Management
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)