Mortgage credit review expertise meets pre-funding quality control in Toronto. Review lending decisions, documentation, and policy adherence across Scotiabank mortgage channels.
As a Mortgage Review Officer and Senior Credit Analyst, you will assess mortgages processed through Scotia Mortgage Authority, Home Financing Solutions, and Branch Channels. The work requires retail lending compliance, sound judgment, and detailed reporting. You will identify risks, communicate deficiencies, and support consistent adjudication decisions.
Key Responsibilities: Review mortgage files before funding for retail lending compliance
Assess out-of-policy issues and determine materiality and next steps
Elevate mortgage deficiencies and administrative findings appropriately
Prepare monthly reports covering findings, risks, and recommendations
Identify adjudication consistency, training, and system improvement opportunities
Requirements: Expert understanding of retail mortgage and STEP lending policies
Previous experience adjudicating retail loans, mortgages, and small business credit
Knowledge of mortgage insurance from CMHC, Sagen, and Canada Guaranty
Economics or Business degree or diploma with two to four years experience
Solid written, verbal, and interpersonal communication skills
Apply mortgage adjudication, compliance, and risk judgment to strengthen Scotiabank’s credit review standards in Toronto.