Who We Are
Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, Eden Park and Fig. Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending—we offer financial solutions tailored to all Canadians, including newcomers, small‑business owners, smart investors and savvy consumers. Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada’s leading alternative lending bank.

Home Trust:
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.

Join Home Trust as a Mortgage Collection Specialist, reporting to Manager, Default Recovery, and be part of our talented and growing team!

About The Role
The Mortgage Collection Specialist will lead the customer experience through providing service to Home Trust customers. This role will lead servicing related to secured property arrears and other payment concerns along with collection of arrears in accordance to company policies, procedures and compliance standards.

Key Responsibilities
Team Contribution

Handle outbound and inbound calls to and from all clients and related parties in order to cure arrears

Appropriate follow up of accounts that require a payment arrangement

Receive notification of dishonored mortgage payments; send appropriate correspondence to mortgagors and other interested parties

Maintain detailed and accurate documentation of all correspondence, receipt of payment, telephone communication (inbound and outbound) and matters of interest on mortgage system

Review mortgage system checklist and individual arrears report to ensure that files are followed up on in a timely manner for collection of arrears





Review all new information on client file when received, in addition to making notes on collection screens and any other screens where applicable

Seek management approval on any special extended payment arrangements on mortgage files that will go beyond 30 days in arrears

Maintain a month‑end standard of 98.8% files current

Maintain a comprehensive knowledge of the Company’s collection policies, standards, procedures and guidelines overall

Additional duties as assigned by management

Operational Excellence

Recommend and support departmental efficiencies and procedures

Accurate Data entry into applicable business platforms

Thorough review of accounts to ensure all requirements are met and accurate prior to Legal referral

Prepare accurate and detailed legal recommendations

Service Excellence

Mitigate incidence of complaints and out of pocket expenses

Maintain a best‑in‑class relationship with clients, subsequent encumbrances, solicitors and brokers

Provide the highest level of service & support to the administration, legal, funding, underwriting and sales & service departments

Risk and Compliance

Ensure transactions and documentation adhere to HTC Policy Standards and Guidelines and Complete Training within deadlines

Complete file review KYCTP identify and report irregularities through FCIU and or management

Acts in accordance with HTCs core values, Code of Conduct & all internal policies & standards

Engages in the highest standard of business conduct and ethics

Understands the regulatory & compliance requirements applicable to scope of responsibility

Incorporates regulatory & compliance requirements into existing business processes & activities

Identifies opportunities to mitigate potential risk and to strengthen compliance activities, for HTC & its stakeholders, in daily operational activities

What We’re Looking For

Post‑secondary degree or diploma in business, finance or related discipline

(University an asset)

Additional relevant accreditation(s), certification(s) are strong assets

2 years in administrative role

Mortgage Collection or related legal administrative experience an asset

Working knowledge of Residential Default process, Mortgage Origination & Servicing process preferred

Working experience in Microsoft Office Programs

Exceptional organizational,



time management, accuracy, research/analysis, auditing, and reconciliation

Strong interpersonal relationship building and listening skills

Proven ability to work both independently and collaboratively within a team environment

Excellent written / verbal communication and professional maturity

Able to multi‑task and flourish in a fast paced, deadline‑driven work environment

Basic understanding of Mortgage remedies nationwide

Understanding of all Home Trust Company’s lending products

MS Office proficient; Working knowledge of SAP, Techcom, Cognos and FIS an asset

What You’ll Love About Working Here

Award‑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.

Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance

Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue

Future‑Ready Savings: Group Retirement Savings Plan with up to 7% employer match

Exclusive Perks: Discounts from top retailers via WorkPerks, plus location‑based perks like gym memberships and Toronto Bike Share.

On‑Site 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.

What You Can Expect - Pay & Process

Expected base salary range is $60,000 - $70,000 per year, plus the chance to earn an annual incentive bonus tied to performance.

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.

Time Type
Full time

Job Type
Permanent

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.

#J-18808-Ljbffr

📌 Mortgage Collection Specialist (Ontario)
🏢 Fairstone Bank
📍 Ontario