Skip to main content
Smiling employee looking at colleague

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
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
Business Development Manager
Position Description

MANDATE:

Reporting to the Director, National Sales, the Business Development Manager is responsible for developing new business opportunities, supporting assigned Accounts and achieving stated goals and objectives in support of the Residential Lending department. This role will be responsible for successfully contributing to the overall portfolio growth and maximizing profitability in an entrepreneurial environment focused on service and operational excellence. This role is results driven, competitive and exemplifies the spirit of a team player.

ACCOUNTIBILITIES:

  • Develop and execute effective business development strategies and successfully contribute to the department’s business plan.
  • Develop sales strategies to increase market share, analyze opportunities and create plans to maintain continuity, and achieve growth and sales objectives.
  • Collaborate with the Investment Services BDM to leverage and maximize cross-departmental sales opportunities.
  • Partner with Residential Lending Operations team to support and service partners within assigned territories.
  • Generate a target list of potential broker and partner relationships, developing customized strategies to successfully translate the leads into net new business.
  • Develop and foster broker and partner relationships while always maintaining the highest level of professionalism and service standards.
  • Balance strong problem solving and decision-making abilities while meeting performance targets and maintaining effective internal and external relationships.
  • Maintain a strong sales funnel with focus on activity to ensure continuous sales and growth goals are met.
  • Track, analyze and report key pipeline, opportunity, forecast and sales productivity metrics.
  • Prepare a variety of reports (including visit summaries, closings, competition offerings and goals vs results).
  • Actively participate in business development events, tradeshows and presentations as required.
  • Identify and research new product and service opportunities that complement existing and align with the company’s strategic objectives.
  • Together with the Marketing and Brand Management team, participate in the update of existing and creation of new broker communications including collateral materials, email content and innovative promotions.
  • 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 5 years’ experience in the full sales cycle process.
  • Minimum of 2 years related experience in alternative lending.
  • Post-Secondary Education preferred.
  • Proven track record in meeting and exceeding established sales targets.
  • Excellent presentation skills.
  •  Superior interpersonal and relationship building skills.
  • Solid understanding of the characteristics, attributes and risk factors associated with various loan types.
  • Strong knowledge of Microsoft applications (including Word, Excel and Power Point) and familiarity with the internet and related applications as tools for conducting research.
  • Demonstrates strong negotiation, planning, organizational and time management skills
  • Solid written and verbal business communication skills.
  • Capable of handling multiple tasks and meeting stringent deadlines.
  • Tactful, diplomatic and politely persistent.
  • Results oriented and a high achiever.
  • Reliable, consistent and disciplined.
  • Highest level of integrity.
  • Self-motivated, confident and capable of working both independently and in a team environment.
  • Bring a positive, can-do attitude to our organization, using creative solutions to solve problems.
  • Establish and build on healthy working relationships with your team and peers.

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
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
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 the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
Credit Quality Assurance Specialist
Position Description

MANDATE:

The Credit Quality Assurance Specialist is responsible for reviewing residential mortgages either in advance of funding or at maturity to confirm that the loans are assessed in a manner that is consistent with compliance, risk and credit management by ensuring full adherence to CTC’s policies, procedures, default insurer and regulatory requirements. This role will also participate in reviewing and approving residential mortgages for the bulk purchase and loan sale programs. The Credit Quality Assurance Specialist will foster an environment of support and guidance while maintaining oversight of the approval processes in an environment focused on operational and service excellence.

ACCOUNTABILITIES:

  • Foster a resilient workplace and culture that is aligned with the company’s core values of trust, integrity, collaboration and responsiveness.
  • Maintain a comprehensive understanding of CTC’s policies, procedures and regulatory requirements.
  • Maintain effective compliance, risk management and risk controls in the residential mortgages business portfolio, either in advance of funding or at maturity, by exercising consistent, objective and sound credit reviews in accordance with risk appetites, policies and procedures.
  • Ensure KYC, AML and EDD procedures and documentation are fully compliant.
  • Ensure approval decisions are in accordance with sound credit-granting principles and within designated lending limits.
  • Provide the tools, support and guidance that the underwriters and mortgage officers need to be successful.
  • Commit to the timely completion of file reviews in support of superior customer engagement to both borrowers and brokers.
  • Maintain key internal relationships with Residential Lending, Mortgage Retention, Credit Risk and Compliance.
  • Review appraisals to confirm the report meets policy standards.
  • Confirm that the property is suitable security for the loan under consideration.
  • Ensure notes adequately explain the basis of the lending recommendation.
  • Confirm accuracy of data inputs including loan types, security codes, exceptions and risk gradings.
  • Review mortgages in support of the bulk purchase and loan sale programs.
  • Review existing mortgages prior to maturity.
  • Provide constructive quality assurance and performance tracking statistics.
  • Identify policy and procedures gaps or updates.
  • 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 experience in an underwriting or credit manager role within a regulated, residential alternative lending environment.
  • Thorough knowledge of residential mortgage underwriting practices including property valuation reviews, income documentation requirements and supporting operational processes.
  • Solid understanding of the characteristics, attributes and risk factors associated with various loan types.
  • Strong working knowledge of KYC and AML/ATF required.
  • Sound analytical thinking, planning, prioritizing, and executing skills.
  • Experience in report preparation and presentation using Microsoft office applications.
  • Ability to work under pressure through fluctuating volume periods.
  • A well-defined sense of diplomacy, including solid negotiation 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.

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
Business Development Manager
Client Services Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
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 the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
Business Reporting Analyst
Position Description

MANDATE:

Reporting to the Director, Finance, the Business Reporting Analyst is an integral role in collection and analysis of data for management reporting; creating templates and financial models for business planning and budgeting; assisting with financial statement preparation; and maintaining detailed documentation around processes.

The Business Reporting Analyst will have an expert working knowledge of MS Excel and SQL to re-shape data collection and analysis. Knowledge of reporting tools like Power BI, Vena and coding languages like SAS, Python, or any other coding language will be an added advantage.

 

ACCOUNTABILITIES:

Budgeting & Forecasting

  • Participate in corporate planning, budgeting, forecasting, annual and long-range planning in support of key departments performance management.
  • Collaborate and communicate on a timely basis the monthly forecasts and other financial trends and developments to the senior management.
  • Provide accurate, timely, and actionable financial reporting and key business metrics to operating teams, gain key insights into spend trends with meaningful and actionable analyses.
  • Build strong relationships and collaborate with business leaders to become a trusted advisor who highlights risks, spots opportunities, build simulations and sensitivity analysis.
  • Annual budgeting, quarterly forecasting & monthly assessments

Reporting & Analysis

  • Produce monthly and quarterly financial statements, business unit statements, and variance analysis in an accurate and timely manner.
  • Enhance variance analysis by working directly with business units and identifying key trends, building reconciliations, and explaining rationale for movement against goals and previous periods.

Reporting Enhancements

  • Gather relevant data from respective business units and document business requirements.
  • Analyze key performance indicators and critical success factors with a view to integrate with weekly, monthly and quarterly reporting for senior-level executives and Board members.
  • Perform portfolio metrics data analysis for various business units and integrate with trend analysis.
  • Perform data analysis and ensure data quality and accuracy by building checks and reconciliations.
  • Utilize BI tools for creation of reports, scorecards, dashboards and other solutions (MS Excel Power BI, Prospector, Delta 360, Portfolio Plus, etc.).

Database Creation

  • Create and maintain finance and operational metrics database which will be used to support management reporting and ad- hoc projects.
  • Document development and usage of database.
  • Work across business units to refine database and create customized reports.

KNOWLEDGE & SKILLS:

  • Post-secondary education in Business Administration, Accounting and Finance, Commerce or a related field.
  • Expert MS Excel skills (VLOOKUP, MATCH, INDEX, PIVOT tables and charts, VBA editing, etc.)
  • Proficient with MS Word and PowerPoint.
  • Experience with database
  • Power BI reporting

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
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
Internal Business Development Associate
Position Description

MANDATE:

Reporting to the Manager,Internal Business Development Associates, the Internal Business Development Associate is responsible for developing new business opportunities and achieving stated goals and objectives in support of the Residential Lending department. This role will be responsible for successfully contributing to the overall portfolio growth and maximizing profitability in an entrepreneurial environment focused on service and operational excellence. This role is results driven, competitive and exemplifies the spirit of a team player.

ACCOUNTIBILITIES:

  • Develop and execute effective business development strategies and successfully contribute to the department’s business plan through proactive calls management
  • Collaborate with the Investment Services BDM & Business Development Managers to leverage and maximize cross-departmental sales opportunities.
  • Partner with Residential Lending Operations team to support and service partners within assigned territories.
  • Analyze and identify opportunities using reports to support growth
  • Support Residential Lending Operations in following up on outstanding commitments.
  • Partner with non-assigned brokers and partners for escalations and problem resolution
  • Identify a list of potential broker and partner relationships and providing personal support to help improve and deepen the relationship.
  • Develop and foster broker and partner relationships while always maintaining the highest level of professionalism and service standards.
  • Balance strong problem solving and decision-making abilities while meeting performance targets and maintaining effective internal and external relationships.
  • Actively participate in business development events, tradeshows and presentations as required.
  • Together with the Marketing and Brand Management team, participate in the update of existing and creation of new broker communications including collateral materials, email content and innovative promotions.
  • 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 alternative lending.
  • Post-Secondary Education preferred.
  • Proven track record in meeting and exceeding established sales targets.
  • Excellent presentation skills
  • Superior interpersonal and relationship building skills.
  • Solid understanding of the characteristics, attributes and risk factors associated with various loan types.
  • Strong knowledge of Microsoft applications (including Word, Excel and Power Point) and familiarity with the internet and related applications as tools for conducting research.
  • Demonstrates strong negotiation, planning, organizational and time management skills
  • Solid written and verbal business communication skills.
  • Capable of handling multiple tasks and meeting stringent deadlines.
  • Tactful, diplomatic and politely persistent.
  • Results oriented and a high achiever.
  • Reliable, consistent and disciplined.
  • Highest level of integrity.
  • Self-motivated, confident and capable of working both independently and in a team environment.
  • Bring a positive, can-do attitude to our organization, using creative solutions to solve problems.
  • Establish and build on healthy working relationships with your team and peers.

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
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
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 the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
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 the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
Mortgage Officer
Position Description

About the job

*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 the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
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
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
Processing Officer, Residential Lending
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:

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
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
Quality Coach
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 the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
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
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
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 Mortgage 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.
  • Manage portfolio risk by exercising consistent, objective and sound credit decisions within authorized limits, escalating 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.
  • 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 the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
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 the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Vancouver)
Team Lead, Mortgage Administration
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 the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Team Lead, Mortgage Administration
Team Lead, Mortgage Administration
Position Description

MANDATE:

Reporting directly to the Manager, Mortgage Administration, this role is responsible for providing administrative services on private syndicated, residential, and commercial mortgages. The incumbent is expected to maintain a high level of efficiency in an environment focused on service and operational excellence. The Team Lead, Mortgage Administration will support the Manager, Mortgage Administration as well as provide knowledge enrichment to department staff of processes and industry best practices. 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 ensuring goals are met which, in turn, successfully contributes to the department and overall corporate results.

ACCOUNTABILITIES:

  • Provide guidance, support and training to existing and new Servicing Specialists
  • Ensure the completion of all daily, weekly, monthly, quarterly and annual department functions and reporting requirements
  • Ensure department Service Level Agreements are met daily
  • Responsible for the distribution of workload among the Administration team.
  • Oversight of payment processing, timely and accurate completion of tasks
  • Oversight of property tax administration, ensuring balances are sufficient, remittances are made on time and supplementary and final installments are actioned appropriately.
  • Oversight of property insurance administration and related reporting
  • Oversight of payouts, discharges, and executions, ensuring adherence to Service Level Agreements and with the utmost accuracy.
  • Interact professionally with our internal and external business partners and clients
  • Set the example for delivering excellent customer service to our clients, internal and external business partners
  • Manage escalations and act as point of contact when necessary.
  • Exercise discretionary workout remedies and/or fee waivers as delegated, ensuring decisions are in accordance with procedures and in the best interest of CTC.
  • Ensure that all records are stored and retained to meet Company standards.
  • Continuously identify and execute best practice process improvements, eliminate redundancies, and identify system and/or reporting needs
  • Support with ongoing project implementations and necessary testing
  • Ensure that department policies & procedures are up to date and current.
  • Effectively communicate with staff as required
  • Perform ad-hoc duties as assigned by management
  • Attend and contribute positively to all department and team meetings.

KNOWLEDGE & SKILLS:

  • Post-secondary education in Business Administration, Accounting, Finance or a related field
  • Minimum of 3 years progressive experience across various areas of mortgage administration and/or servicing.
  • Proven track record of exceptional customer service abilities
  • Good understanding of underwriting and lending principles
  • Sound working knowledge of financial regulatory requirements on lending products, AML, and Compliance
  • Sound knowledge and understanding of Anti-Money Laundering and Terrorist Financing, Privacy and Compliance policies and the practical application of relevant provincial guidelines
  • Working knowledge of Microsoft applications (including Word, Excel and Power Point)
  • Ability to prioritize and multi-task in a fast pace environment while meeting strict deadlines
  • Strong written and verbal business communication skills
  • Able to recognize and handle sensitive and confidential information

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
Business Development Manager
Client Services Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst (1 year contract)
Business Reporting Analyst
Internal Business Development Associate
Mortgage Default Specialist
Mortgage Funding Specialist
Mortgage Officer
Mortgage Servicing Specialist
Processing Officer, Residential Lending
Quality Coach
Registered Account Administrator
Residential Mortgage Underwriter (Mississauga)
Residential Mortgage Underwriter (Toronto)
Residential Mortgage Underwriter (Vancouver)