Junior Underwriter

Key Responsibilities 

• Operates within and promotes compliance with company policies and procedures and all statutes and legislation governing the workplace including the Bank’s Code of Conduct
• Responsible for condition fulfillment, recommending, declining, reviewing, and approving incoming basic mortgage and secured loan applications (including supporting documentation) to be secured within established guidelines and scope of approval authority
• Exercise sound lending judgment without compromising service, profitability, and compliance
• Assist underwriters in preparing recommendations for mortgages and loans and presenting submissions to Managers and/or Vice President Risk Management
• Analyze and screen mortgage applications, ensure file quality and completeness
• Serve as liaison between, risk management and the broker community
• Accurately respond to broker’s inquiries on process, rate and special promotions
• Build an open-communication environment by cultivating relationships with the broker community
• Prepare Monthly, Quarterly and Ad Hoc Reports for internal stakeholders

Occupational Experience & Education Requirements

• Detailed knowledge of mortgage lending policies, fulfillment process, related documentation requirements and quality assurance process
• Proficient with Microsoft Office suite (Excel, Word, Excel, Outlook); Mortgage underwriting software considered an asset
• Thrives in a fast-paced team-oriented environment, working with minimal supervision and meeting tight timelines
• Strong customer service-orientation; excellent communication skills; discretion when dealing with confidential and sensitive matters
• Post-Secondary education; Industry accreditations considered an asset

Who You Are

• You put our clients and partners first. You engage with purpose, sound judgement, and professionalism to find the right solutions. You go the extra mile because it’s the right thing to do.
• You’re passionate about people. You like to build relationships and trust through respect, accountability, and authenticity.
• You are an industry professional with an Undergraduate degree or technical certificate. As a professional, you have over 3 years of relevant analytical work experience, sound knowledge of the financial industry, risk processes and methodologies, and excellent analytical, judgement and decision-making skills.
• You have what it takes and are energized by a fast-paced, dynamic working environment where teamwork is key to success.
• You know that attention to detail and discretion when dealing with confidential and sensitive information matters.
• As a creative problem solver, you know how to analyze data to better understand potential risks, concerns, and outcomes of decisions.
• You have excellent MS Office skills – Word, Outlook, Excel and PowerPoint and a strong command of SQL, VBA and/or other programming languages. 

What WealthONE Offers

At WealthONE, our people are our greatest asset. You’ll become part of a diverse and growing team that acknowledges everyone’s unique talents to do what’s right for the client, and to do it well. As part of our team, you will:

• Thrive: Benefit from an open and approachable culture that provides the flexibility and support you need to integrate your life at work and at home.
• Connect: Work in a place that fosters creativity and collaboration.
• Develop: Apply your skills and grow your career in a young, fast-growing environment.
• Prosper: Share in our collective success with a competitive salary, incentive pay, banking and health benefits program.

What You Need to Know

• WealthONE is an equal opportunity employer committed to creating an inclusive environment where all team members and clients feel like they belong.
• You need to be legally eligible to work in Canada. While we are based in Toronto, due to COVID-19 this role can be conducted from any location at present. Our preference is for the incumbent to be Toronto based as some work in the Toronto office will be required.
• This is a regular full-time role.