Senior Loan Review Analyst – Fairstone Bank Under the direction of the Manager, Loan Review (RESL), the primary purpose of the role is to complete independent, objective reviews of credit transactions against the Company’s credit risk policies and guidelines. The incumbent is responsible for the structured, objective and independent review of the Company’s credit transactions as selected by the Director, Loan Review or delegate. Credit transactions include all Fairstone lending products including residential mortgage lending (RESL), direct lending (secured and unsecured), automotive, and credit cards. The incumbent is also responsible for making recommendations on training needs and modifications to lending guidelines and processes to reflect a best‑in‑class operation. Risk Management & Compliance In adhering to applicable compliance obligations, including privacy, anti‑money laundering/anti‑terrorist financing and internal anti‑fraud policy requirements, the following responsibilities are outlined: Independently review assigned credit files to objectively evaluate the quality of the credit decision, adherence to the Company’s underwriting policies, guidelines and standards including insurer requirements, and the integrity of file documentation and data inputs. Ensure observations are accurate and defensible. Document results accurately in the database and minimise errors of omission. Present and defend individual file review results in debriefs with the Underwriting VPs, Directors and Managers; constructively evaluateunderwriter responses and establish final file rating.



Identify and refer suspicious files to Corporate Compliance as appropriate to fulfill regulatory responsibilities. Collaboratively support the preparation and issuance of reporting relating to the review results for EVPs and the Credit Risk Committee. Recommend changes to policy, standards, guidelines and operational procedures to promote consistency and effectiveness of decisions. Identify systemic risks and opportunities to enhance underwriting standards. Other Responsibilities Proactively support ERM’s mandate by identifying opportunities to improve risk discipline in underwriting credit applications, promoting a strong risk culture, and participating in related initiatives under the direction of the Director, Retail Loan Review. Qualifications University degree in business, economics, finance or related discipline, or related business experience. Additional relevant accreditation(s), certification(s) are strong assets. 3+ years underwriting experience. Sound practical knowledge of residential mortgage lending, particularly with Alt‑A products. Sound practical knowledge of insured mortgage products. Proficient with residential property appraisal reviews. Knowledge of residential mortgage credit policies,



standards and guidelines. Solid interpersonal relationship building and listening skills. Proven ability to work both independently and collaboratively within a team environment. Excellent written and verbal communication and professional maturity. Solution‑focused and takes initiative to work effectively and efficiently within established guidelines. Strong organizational, time‑management, research/analysis and attention to detail. Able to multi‑task and flourish in a fast‑paced, deadline‑driven work environment. Understands Home Trust Company’s lending criteria and culture. Solid knowledge of MS Office. Salary Expected salary range: $62,000 to $70,000 per year. Benefits and Recognition We are proud to be recognized as a Outstanding Place to Work® Canada for 2025 and Montréal’s Top Employers 2025 by Canada’s Top 100 Employers! Learn more: Follow us on LinkedIn: If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application. Recruitment Process Artificial intelligence may be used in parts of the recruitment process. This posting is for an existing vacancy within our organization. EEO Statement Fairstone is an equal opportunity employer. Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginal, members of visible minorities, and disabled are encouraged to apply in confidence. Job Type Full time – Permanent #J-18808-Ljbffr

📌 Senior Loan Review Analyst - $62,000 - $70,000 A Year (Toronto)
🏢 Fairstone Bank
📍 Toronto