Job Title

Tarificateur / Tarificatrice Principal de Prts Hypothcaires, Tarification Complte *English Posting Below* MCAP en un coup d''il En vous joignant MCAP, vous ferez partie de nos effectifs diversifis composs de personnes hautement talentueuses qui sont reconnues pour leur expertise et leurs succs MCAP, votre expertise professionnelle, votre engagement envers le travail d''quipe et votre passion pour l''excellence du service sont reconnus et rcompenss au moyen d''une rmunration totale concurrentielle, d''une carrire qui favorise l''apprentissage continu et le perfectionnement (formation officielle et non officielle) et des occasions passionnantes dans un milieu entrepreneurial dynamique. Le rle Il incombe au titulaire de ce poste de contribuer l''quipe de souscription de MERIX. Les responsabilits propres ce poste comprennent notamment ce qui suit: Vrifier/valider tous les renseignements exigs sur la clientle/les hypothques dans le cadre d''un environnement service complet Fournir des dcisions exactes et en temps voulu en matire de crdit aux metteurs d''hypothques Rassembler et documenter les rapports ncessaires sur les demandeurs de prts hypothcaires, par exemple les antcdents en matire de crdit et le revenu Ngocier, structurer et valuer les demandes de prts hypothcaires selon l''tendue dfinie des pouvoirs en matire d''approbation Prparer des recommandations l''gard des prts hypothcaires rsidentiels qui excdent la limite d''approbation dfinie et prsenter des soumissions au membre de l''quipe appropri Veiller la sensibilisation et la conformit tous les aspects du programme d''assurance de la qualit Demeurer au fait de toutes les lignes directrices applicables en matire de souscription. Le bilinguisme en franais et en anglais est requis pour ce poste afin d''interagir, de soutenir et/ou de fournir des services aux clients, employs et/ou partenaires francophones et non-francophones l''intrieur et/ou l''extrieur de la province de Qubec. Votre contribution l''quipe Au moins 2 3 ans d''exprience dans l''excution de toutes les procdures de tarification conformment aux lois et aux rglements tablis Un minimum de 2 3ans d''exprience en souscription de prts hypothcaires L''exprience directe du systme est considre comme un atout Attitude axe sur le service la clientle Flexible et adaptable; capable de faire du multitche sous pression Excellentes comptences analytiques et aptitudes communiquer Capacit dmontre de respecter les chances Excellent jugement et tre apte prendre des dcisions de manire autonome Diplme universitaire ou collgial dans un domaine connexe souhaitable Si vous vous reconnaissez dans ce qui prcde et que souhaitez faire partie de l''une des plus vastes socits de financement hypothcaire du Canada, faites-nous signe Faites partie de quelque chose de grand MCAP est l''une des plus importantes socits indpendantes de financement hypothcaire du Canada, avec des actifs sous gestion de plus de 150milliards de dollars. Elle propose des solutions en matire d''hypothques rsidentielles et commerciales. Depuis plus de 35ans, MCAP consent, ngocie, titrise des prts hypothcaires et en assure le service dans ses bureaux partout au Canada. De plus, MCAP octroie des prts hypothcaires rsidentiels exclusivement par l''entremise du canal de courtage hypothcaire, car nous sommes d''avis que le professionnalisme d''un courtier ou d''une courtire en hypothques est la meilleure option dont dispose le consommateur et MCAP fait activement la promotion la grandeur du pays des services offerts par les courtiers hypothcaires. MCAP est galement chef de file sur le march canadien des prts la construction rsidentielle et est active ce chapitre depuis plus de 25ans. Nos quipes de professionnels dvous servent divers clients l''chelle du Canada, tels que des promoteurs, des constructeurs et des prteurs. Sr. Underwriter, Full Case MCAP at a Glance Joining MCAP means you will be a part of our diverse workforce of highly talented individuals who are recognized for their expertise and success At MCAP, your professional expertise, commitment to teamwork and passion for service excellence are recognized and rewarded with competitive total rewards offering, a career with continuous learning and development (formal & informal training), and exciting opportunities in a dynamic, entrepreneurial environment. The Role This position is responsible for underwriting, processing and approving mortgage applications from a variety of sources including Broker, Direct and Third party from all MCAP brands. This role is accountable for full case management of a file and for building solid relationships with referral sources, to ensure volume, asset quality and profitability targets are met. Reviewing Applications Verify information on application and with the Credit Bureau to ensure accuracy. Verify information to make sure it meets company guidelines and external lender guidelines/insurer (CMHC, CG & Genworth). Contact the broker/client for additional information or clarification in order to decision the deal effectively. Credit Adjudication Adjudicate information presented and address any discrepancies or inconsistencies. Verify data viewed to ensure it meets company guidelines. Document the deal and write up rationale to support recommendation for approval . Condition the deal in accordance with the recommendation for approval. Delivers quick and creative mortgage solutions in order to structure files in order to meet company guidelines. Service Clients Respond to questions or concerns from all clients with the intent to build/maintain relationships Provide all clients with mortgage options to assist in making an informed decision. Maintain an 8 hour turnaround time on applications Respond to questions and concerns received from clients via email, fax or portal discussion within 4 hours of receipt to ensure timely and accurate completion of each mortgage transaction. Maintain a 24-hour turnaround time for documentation review including the timely and accurate update of all systems. Communication with Brokers/Clients Negotiate applications or marginal deals Build the business with the broker/client in order to increase the portfolio and closing percentages Documentation Verification Review all documentation pertaining to adjudication and approval of loan Mitigate potential risks identified on documentation Clear all conditions and associated system tasks. Mentor Staff Review and educate Document Specialist on the different types fulfillment documentation Communicate to manager or corporate program any knowledge or suggestions to aid in the continuous improvement of the business Check for Understanding Maintain acceptable audit results as established annually as part of the Objective setting Bilingualism in French and English is required for this position to interact, support and/or provide services to French and non-French speaking customers, employees and/or partners inside and/or outside the province of Quebec. What You Bring To The Team 3-5 years underwriting and documentation experience Knowledge of Real estate and covenant assessments, legislation and land title systems in all provinces preferred Knowledge of Legislation (e.g. Mortgage Act) regarding risk related mortgage law preferred Proficient in Outlook, Word, and Excel Ability to negotiate effectively with intermediaries Ability to understand financial statements and assess financial viability Exceptional oral and written communication skills Excellent organizational and time-management skills Ability to multi-task in a fast-paced environment Strong analytical and problem-solving skills Proven ability to foster relationships Strong customer service skills. Self-driven, motivated with the ability to work independently and in a team environment Carries out duties with integrity and takes responsibility for actions. University Degree/College Diploma, preferable Accredited Mortgage Professional (AMP) Completion of Mortgage Agent course to satisfy provincial regulatory requirements Completion of internal audit''s credit adjudication process Bilingual French and English is a must have If this sounds like you and you are looking to be a part of one of Canada''s largest independent mortgage finance companies, then we want to hear from you Be A Part Of Something Great MCAP is Canada''s largest independent Mortgage Finance company with over $150 billion in assets under management providing mortgage solutions for residential and commercial properties. For over 35 years, MCAP originates, trades, securitizes and services mortgages in offices across Canada. MCAP originates residential mortgages exclusively through the mortgage broker channel as we believe that a professional mortgage broker is a consumer''s best option and MCAP actively promotes the services of mortgage brokers across the country. MCAP is also a leader in the Canadian residential construction lending market with over 25 years in the business. Our teams of dedicated professionals serve a variety of developer, construction and lender clients across Canada. Position #: req2110 Employment Status: Permanent Full Time Location:Montreal; Quebec Number Of Openings:2 Department: Residential Internal Job Title:Sr. Underwriter Full Case The above information in this description has been designed to indicate the general nature and level of work performed by employees in the position. It is not designated to contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. MCAP provides equal opportunities for all applicants and is committed to fostering an inclusive, accessible environment, where all employees feel valued, respected and supported throughout the recruitment and employment process. If you require accommodation, we will work with you to meet your needs.