Come join Home Trust Company as an Mortgage Renewal Specialist in our Mortgage Renewals team!

Home Trust Company has developed a track record of success as Canada's leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people. Home Trust is a private company.

FIRST THING – WHAT YOU NEED TO SUCCEED?
We are looking for individuals who are dedicated, passionate, and driven to execute with excellence!

WE CARE ABOUT OUR EMPLOYEES WELL-BEING, WHAT WE OFFER:

• Base salary, with yearly incentive performance bonus

• Three (3) weeks of vacation, an additional six (6) flex days (sick or personal) in addition to statutory holidays

• Comprehensive benefit packages, offered through Manulife

• Group Retirement Savings Plan (GRSP) up to 8% contribution program & employer match

• $1000 Employee Referral Program

• Employee Discounts; phone plans, gym membership, Toronto Bike Share and many retailer discounts offered through WorkPerks

• Education Assistance program

ABOUT THE ROLE: 

This role is responsible to identify needs, negotiate mortgage rates, recognize up-sell opportunities, recommend HTC refinancing solutions to satisfy our clients and retain business. The incumbent will proactively follow up with clients for signed renewal agreements and
supporting documents. This role involves constant interaction with external stakeholders such as our borrowers and brokers; as well as internal teams like other members of the renewal team, call center, underwriting and legal /collection teams. Accuracy and meeting deadlines are critical to this position.

In addition:

• Responsible for reviewing files 30-90 days prior to maturity, and proactively contact Mortgage Renewal clients in an effort to secure renewal/early renewals
  
• Negotiate renewal mortgage rates within own discretion to achieve specified rate spread for HTC, and effectively challenge without compromising service and profitability
  Maintain accurate and detailed notes to ensure clarity between borrower & HTC
• Proactively develop, strengthen, and maintain relationship with borrower
• Review credit reports and FICO scores for each file to verify we are offering correct rate
• Effectively identify sales potential, by way of refinancing current mortgage balance, and/or consolidating current secondary financing, or outstanding debts
• Maintain current client information as applicable e.g., telephone numbers, employment details
• Achieve all specified departmental and individual goals for referrals, Life Insurance accepted applications
• Evaluate and analyze documentation supplied by client and broker (e.g., BP set up, FN8X accurate and complete) to ensure matrices and applicable compliance obligations, including Underwriting policies and lending guidelines, Privacy, Anti-Money Laundering/ Anti-Terrorist Financing and internal Anti-Fraud Policy requirements
• File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity

WHAT WE REQUIRE:

• Authorized to work in Canada

• Strong organizational, time-management, research/ analysis, and attention to detail
• Strong interpersonal relationship building and listening skills

• Post-secondary degree or diploma, preferably in business management, finance, or related field (university an asset)
• 1-3 years of experience in a similar role and in both insured and uninsured lending space
• Current knowledge of regulations regarding mortgage lending and familiarity with both conventional and government mortgage policies an asset

PREREQUISITE: Maintain a positive supportive attitude, help to maintain an inclusive and supportive company culture!

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