About The RoleIdentify clients’ needs, negotiate mortgage rates, recognize up sell opportunities, and recommend HTC refinancing solutions to satisfy our clients and retain business. The incumbent will proactively follow up with clients for signed renewal agreement and supporting documents, and will routinely interact with borrowers, other members of the renewal team, call centre, brokers, underwriting staff, legal /collection departments. Accuracy and meeting deadlines are critical to this position.ResponsibilitiesThis is a temporary 12-month contract role.Proactively contact all Mortgage Renewal clients in an effort to secure renewal/early renewalAchieve all specified departmental and individual performance goals and objectives regarding various renewal typesNegotiate renewal mortgage rates within own discretion to achieve specified rate spread for HTCMaintain accurate and detailed notes to ensure clarity between borrower & HTCReview renewal files 30-90 days prior to maturityProactively develop, strengthen, and maintain relationship with borrowerReview credit reports and FICO scores for each file to verify we are offering correct rateEffectively identify sales potential, by way of refinancing current mortgage balance, and/or consolidating current secondary financing, or outstanding debtsChallenge/negotiate rates without compromising service and profitabilityMust know all HTC products to recommend feasible solutions to satisfy client needsRemain current and informed on our competition to retain the businessOffer Life Insurance for each renewalIdentify possible workout solutions in case of job loss/ illnessManage rate spread as specifiedMaintain current client information as applicable e.G., telephone numbers,



employment detailsAchieve all specified departmental and individual goals for referrals, Life Insurance accepted applicationsEvaluate and analyze documentation supplied by client and broker (e.G., BP set up, FN8X accurate and complete) to ensure its authenticity and compliance with all aspects of Home Trust Company’s policies and guidelines per delegated authority matrices and applicable compliance obligations, including Underwriting policies and lending guidelines, Privacy, Anti-Money Laundering/ Anti-Terrorist Financing and internal Anti-Fraud Policy requirementsFile Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activityQualificationsPost-secondary degree or diploma in related area or discipline; University degreein related discipline an assetAdditional relevant accreditation(s), certification(s) are strong assets1-3 years of experience in a similar roleCurrent knowledge of regulations regarding mortgage lending and familiarity with both conventional and government mortgage policies an assetExperience in both insured and uninsured lending spaceStrong organizational, time-management, research/ analysis, and attention to detailStrong interpersonal relationship building and listening skillsProven ability to work both independently and collaboratively within a team environmentEffective written / verbal communication,



and professional maturityConsistently demonstrates and reinforces organizational valuesBenefitsAward-Winning Culture: We’re proud to be recognized as a Great Place to Work Canada 2025 and one of Montreal’s Top Employers 2025 by Canada’s Top 100 Employers.Work-Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well-being.Exclusive Perks: Discounts from top retailers via WorkPerks, plus location-based perks like gym memberships and Toronto Bike Share.In office Fitness: Gym access at our London and Montreal offices.Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.Family Support: Parental leave top-up program to help you during life’s big moments.Community Impact: One paid volunteer day to give back to causes that matter to you.Compensation & ProcessExpected base salary range is $50,000 - 60,000$ per year.This posting is for an existing vacancy within our organization.Artificial intelligence may be used in parts of the recruitment process.All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire.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 Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.Time Type : Full timeJob Type : Temporary (Fixed Term)#J-18808-Ljbffr

📌 Mortgage Renewal Specialist - C$50,000 - C$60,000 A Year (Winnipeg)
🏢 Fairstone
📍 Winnipeg