Halifax (NS); Montreal (QC); Language Skill Levels (Read/Write/Speak):.Full time Build lasting relationships with clients, referral partners, and community stakeholders to generate mortgage opportunities and referrals.Utilize your banking expertise and communication skills to p...

We come to work every day with a common purpose: to contribute to a well-functioning housing system. Here's the comprehensive and generous benefits you get when you're a contract employee: Annual individual performance bonus. Support towards your personal and professional growth with training, mentorship and more.

While positions at CMHC require some in-office presence, alternative work arrangements may be considered for Indigenous candidates. Join the Homeowner underwriting team, in the bilingual Senior Officer, Operations (Homeowner Underwriting) position. In this role, you will ensure the mortgage underwriting of loans for new and existing homeowner and small rental properties with 1 to 4 units, while providing excellent client service through effective communication about CMHC's mortgage insurance products, policies and guidelines.

CMHC Homeowner Underwriting offers service to clients from 8 am to 9 pm EST Monday to Friday and from 10 am to 6 pm on Saturday. Senior officers are expected to make themselves available for a rotating shift schedule to accommodate these business needs as well as for overtime during the peak volume periods if needed. You must be comfortable working flexible hours, primarily between 10 am and 9 pm, with shifts typically ranging from 10:00 AM-6:00 PM to 1:00 PM-9:00 PM, and be available to work a limited number Saturdays.

This is a temporary position of a duration of 18 months.



Analyze the information on applications for mortgage loan insurance for 1-4 unit owner-occupied and rental properties transmitted by approved lenders, particularly the information related to the borrower, the property, and the market. Negotiate a reasonable solution in line with the risk appetite.

Exercise prudence and diligence to ensure compliance with all relevant internal policies and procedures applicable to the function. Respond to various mortgage insurance inquiries via phone and/or email. Clarifying CMHC's underwriting policies to approved lenders.

Maintain quality relationships with clients to understand their needs and objectives and explore opportunities. A university degree (undergraduate) in business administration, finance, or commerce. A minimum of three (3) years of experience in mortgage underwriting or individual credit analysis.

Strong analytical, risk management, problem-solving and decision-making skills. In-depth knowledge of risk factors related to credit, employment, local market conditions and mortgage sector trends. Demonstrated ability to read and interpret consumer credit bureau reports as well as residential property appraisals.

Strong oral and written communication skills in both official languages (English and French). Familiarity with CMHC policies, mortgage lending practices, and regulatory frameworks. Sound knowledge of mortgage financing and real estate laws, fraud indicators, default remedy and/or property administration would be considered an asset.

Our commitment to diversity, equity, and inclusion We're committed to employment equity and encourage women, Indigenous Peoples, persons with disabilities, veterans and persons of all races, ethnicities, religions, abilities, sexual orientations, and gender identities and expressions to apply. CMHC is an inclusive workplace where diversity of thought - and of people - are recognized, valued, and considered essential to achieving our mission.

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