Principales responsabilits Vrification et analyse de la documentation (35 %) Recueillir et examiner les documents requis pour finaliser les dossiers hypothcaires.

Valider les informations relatives aux revenus, la mise de fonds et lidentit des emprunteurs.

Effectuer des entrevues avec les clients lorsque ncessaire.

Sassurer que les exigences lies la lutte contre le blanchiment dargent (AML) et le financement des activits terroristes (ATF) sont respectes.

Dtecter et grer les situations pouvant soulever des proccupations en matire de fraude ou de fausse reprsentation.

Conformit et contrle qualit des dossiers (35 %) Vrifier que tous les dossiers se conforment aux politiques de prt, aux exigences lgales et aux procdures internes de la Banque.

Sassurer que toutes les conditions ncessaires au financement ont t satisfaites avant la clture du dossier.

Collaborer avec les quipes concernes afin de rsoudre rapidement toute anomalie ou situation ncessitant une validation supplmentaire.

Gestion du pipeline et respect des chanciers (15 %) Assurer un suivi rigoureux de lensemble des dossiers sous sa responsabilit.

Utiliser les outils et rapports de suivi afin de respecter les dlais de traitement et les dates de financement prvues.

Prioriser efficacement les dossiers afin d''assurer la fluidit des oprations.

Collaboration et service la clientle (10 %) Communiquer rgulirement avec les courtiers hypothcaires, les clients et les quipes internes.

Rpondre aux demandes et assurer un excellent niveau de service.

Contribuer lefficacit du processus de financement en maintenant une communication proactive avec toutes les parties concernes.

Mise jour des dossiers et suivi administratif (5 %) Effectuer les mises jour requises aux dossiers lorsqu''un changement survient.

Aviser les intervenants concerns des modifications apportes.

Assurer le suivi des demandes provenant des quipes Conformit et Contrle de la qualit dans des dlais appropris.

Main Activities: On a daily basis, the incumbent will obtain and review required documentation with a strong emphasis on anti-money laundering (AML) and anti-terrorist financing (ATF) requirements, including but not limited to, income, down payment verification and client interviews.

The incumbent will ensure that documentation adheres to corporate guidelines and will mitigate any concerns surrounding suspected misrepresentation when required. (35%) On a daily basis, the incumbent will strive to ensure that mortgage files are in compliance with the Companys established lending policies and procedures as well as ensuring that legal, AML and ATF requirements have been satisfied. (35%) On a daily basis, the incumbent is responsible for time management of their deal flow in order to meet prescribed deadlines.

Day-to-day the incumbent will make diligent use of reports to track and manage the flow of all deals funding for their team. (15%) On a daily basis, the incumbent will communicate with internal contacts (underwriters, managers, administrators and mortgage sales staff) and external contacts (mortgage brokers and clients) to ensure transactions are processed in a timely and efficient manner in order to meet tight deadlines.

The incumbent will provide the highest level of internal and external customer service while fielding mortgage broker and client inquiries. (10%) On a daily basis, the incumbent will monitor changes to deals and update files as required.

The incumbent must send correspondence to the appropriate parties apprising them of changes.

The incumbent must also ensure that Quality Assurance requirements and Compliance review queries are dealt with in a timely and accurate manner. (5%) Qualifications et comptences recherches Diplme dtudes postsecondaires, idalement dans un domaine li la finance, ladministration ou les affaires Minimum de 1 2 ans dexprience dans le secteur hypothcaire, de prfrence dans le march hypothcaire alternatif Bilinguisme (franais et anglais) requis Excellente capacit grer plusieurs priorits simultanment Trs grande attention aux dtails Bonne comprhension des exigences AML, ATF et FINTRAC Solides comptences en organisation et en gestion du temps Excellentes capacits danalyse et de rsolution de problmes Capacit prendre des dcisions dans un environnement dynamique et sous pression Aptitude dmontre grer un volume lev de dossiers Excellentes habilets de communication crite et verbale Forte orientation client Bonne matrise de Microsoft Office (Word et Excel)



Connaissance des processus de financement hypothcaire et de contrle de la qualit Capacit analyser la documentation lie aux mises de fonds et la validation des revenus Sensibilit aux risques de fraude et capacit reconnatre les situations potentiellement problmatiques Knowledge/Skill Requirements: Completion of a post-secondary degree preferably in a financial field 1-2 years mortgage experience in the alternative mortgage market Bilingual (English and French) Sound thinker with the ability to multi-task; ability to handle multiple competing priorities Excellent attention to detail Ability to grasp AML & ATF practices Established and meticulous organizational skills Excellent time management, analytical and problem solving skills Ability to make complex decisions under pressure Proven ability to thrive in a constantly changing environment and to perform well in a high volume, high intensity environment Highly developed verbal and written communication skills with the ability to respond in a clear, concise and professional manner Committed to providing superb customer service Proficiency in MS Office (mainly MS Word and Excel) Detailed knowledge of mortgage funding and quality assurance processes Ability to comprehend and assess documentation relating to mortgage down payment and borrower income confirmation Mindful awareness of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation when required Dfis et imputabilit Le titulaire agit comme lien entre ltape dapprobation du prt et son financement final.

Il doit grer simultanment un grand nombre de dossiers, souvent dans des dlais serrs et dans un environnement en constante volution.

Mme si les procdures sont bien tablies, plusieurs situations atypiques peuvent se prsenter et ncessitent un bon jugement ainsi qu''une capacit d''adaptation.

Le rle exige une comprhension globale du processus hypothcaire et des interactions avec les quipes de contrle de la qualit, de conformit, de prvention de la fraude et de financement.

La personne est galement encourage identifier des opportunits damlioration continue afin d''optimiser les processus et l''exprience client.

Responsabilits et imputabilit Le titulaire travaille sous la supervision directe du gestionnaire, Excution hypothcaire rsidentielle, ainsi que du gestionnaire principal, Souscription hypothcaire rsidentielle.

Bien qu''il bnficie d''un accompagnement de la direction, le poste exige un niveau important dautonomie dans la gestion quotidienne des dossiers.

Il doit rgulirement prendre des dcisions lies : la conformit des dossiers; aux exigences AML/ATF et FINTRAC; aux signaux potentiels de fraude; la gestion efficace du pipeline de financement.

Le titulaire contribue directement latteinte des objectifs oprationnels et stratgiques du secteur hypothcaire rsidentiel.

Job Complexities/Thinking Challenges: The incumbent is responsible for bridging the underwriting stage of a file to the funding stage.

The incumbent should be prepared to manage files of greater complexity at times.

While individual tasks may vary in difficulty, the volume and speed of the workflow, the daily changes that can occur, and the need for frequent communication all demand above-average multi-tasking ability, presence of mind, and the ability to work under pressure.

The incumbent is required to follow EQB guidelines in order to work through files efficiently and accurately however, many unique situations can arise and the incumbent must be able to react to and work through these situations.

The incumbent must also understand the roles of the Quality Assurance, Fraud, Compliance, and Funding teams as well as be mindful of closing dates in order to successfully manage their files.

Finally, the incumbent should make suggestions for improving the workflow process wherever possible.

Accountability Incumbents operate under direct management, and their teams performance is regularly monitored by the Manager, Residential Mortgage Fulfillment and Senior Manager, Residential Mortgage Underwriting.

However, given time constraint challenges of the department, the incumbent will work with a fair degree of independence, and must think and react accordingly.





Regular decision making pertaining to fraud mitigation, AML/ATF and FINTRAC guidelines as well as file management and maintenance is required.

Being an integral part of the mortgage fulfillment process while providing excellent customer service to Equitable Banks mortgage broker partners, the role will have a substantial impact on the success of the Single Family Residential department in reaching its strategic goals and other departmental objectives.

Interlocuteurs, risques et conditions de travail Le poste implique des communications quotidiennes avec: Les courtiers hypothcaires Les clients Les souscripteurs hypothcaires Les quipes de financement Les quipes de conformit Les quipes de prvention de la fraude Les diffrentes units internes de la Banque Gestion des risques Comme tous les employs dEquitable Bank, le titulaire est responsable de contribuer une saine gestion des risques et au respect des exigences rglementaires.

Il doit agir avec intgrit, professionnalisme et rigueur, tout en appliquant les politiques, procdures et directives de la Banque.

Conditions de travail Le poste sexerce dans un environnement de bureau standard.

Toutefois, il comporte loccasion un niveau de pression lev en raison : du volume significant de dossiers; des chanciers serrs; de la complexit de certaines transactions; de la gestion de dossiers prsentant des indices de fraude ou de fausse reprsentation; des attentes leves en matire de service aux courtiers.

Le travail s''effectue selon un mode hybride, avec une prsence au bureau variant gnralement entre 1 et 5 jours par semaine selon le niveau et la sniorit du poste.

Key Internal and External Contacts Incumbents communicate daily with mortgage brokers and clients.

Daily communication with mortgage underwriters and interdepartmental staff to ensure files are completed in a timely and efficient manner.

Managing Risk All members of the Equitable Bank team are responsible for managing risk and compliance within their departments.

As such, employees should maintain and demonstrate the highest standards of integrity and ethical conduct in accordance with Equitable Bank policies, guidelines, and directions.

Physical Demands / Working Conditions Normal office environment; however increased pressure at times, due to file complexity, dealing with suspected misrepresentation, high intensity fast-paced flow of business, maintaining mortgage broker service levels, meeting tight deadlines, uncooperative business partners, etc.

Hybrid work is expected with 1-5 days in person depending on the level and seniority of the role.

Ce que nous offrons [pour les postes permanents temps plein] Prime discrtionnaire concurrentielle Programme de jumelage de REER de premier plan sur le march Soins mdicaux, dentaires, de la vue, assurances vie et invalidit Rgime dachat dactions des employs Prestations complmentaires pour cong de maternit ou parental pendant que vous prenez soin de votre enfant Politique de vacances gnreuse et jours personnels Activits virtuelles pour tablir des liens avec vos collgues Allocation annuelle de perfectionnement professionnel et un programme complet de perfectionnement professionnel Une occasion enrichissante de rejoindre lune des Fin

Techs et de contribuer crer un nouveau type dexprience bancaire What we offer [For full time permanent roles] Competitive discretionary bonus Market leading RRSP match program Medical, dental, vision, life, and disability perks Employee Share Purchase Plan Maternity/Parental top-up while you care for your little one Generous vacation policy and personal days Virtual events to connect with your fellow colleagues Professional development and comprehensive Career Development program A fulfilling opportunity to join one of the top Fin

Techs and help create a new kind of banking experience La Banque quitable est profondment engage en faveur de linclusion.

Notre organisation est plus forte et nos employs spanouissent lorsque nous honorons et clbrons les expriences et les points de vue diversifis de chacun.

Paralllement cet engagement, nous appuyons et encourageons nos employs spanouir non seulement dans leur cheminement de carrire, mais aussi sur le plan personnel.

Nous nous engageons offrir un processus de recrutement et un milieu de travail sans obstacle tous les candidats.

Veuillez nous faire part de toute mesure dadaptation ncessaire pour que vous puissiez donner le meilleur de vous-mme dans le processus de demande demploi et par la suite.

Nous avons hte de vous connatre!

📌 Bilingual Residential Mortgage Officer (Montreal)
🏢 Equitable Bank
📍 Montreal