IC Savings is a credit union that focuses on bringing the benefits of co-operative banking to more than 17,000 personal and business members, whether online, by mobile or in branch at its eight locations in the Greater Toronto Area. The Underwriter is responsible for the adjudication and underwriting of full range of lending solutions, with emphasis on mortgages within IC Savings’ risk appetite. The role is responsible for ensuring submitted applications are adjudicated within IC Savings’ high standard of quality while maintaining the highest level of service and reputation with our Mortgage Broker partners. Evaluate, assess, and recommend complex residential mortgage and loan applications to Management by assessing member’s credit history, collateral and income or ability to pay within IC Savings established guidelines, policies and procedures. Evaluate credit risk in compliance with internal and external regulatory guidelines, apply a prudent lending approach to underwriting, ensure suitability of lending products to borrowers'/members' circumstances. Underwrite and maintain loan and mortgage applications submitted from retail branches and refinancing applications referred by the Retention team. Actively promote sales of existing lending products, up-sell and cross-sell IC Savings’ full range of lending solutions with a focus on residential mortgages. When required, assist Senior Underwriter with training broker community on new mortgage offerings. Negotiate, structure, and evaluate received mortgage applications according to internal policies Adhere to compliance and operational risk controls in accordance with company’s policies and procedures. Manage portfolio risk by exercising consistent, objective and sound credit decisions,



escalating with rationale to support recommendations, where appropriate. Effectively interact with Solicitors, Mortgage and Funding staff to ensure proper workflow and funding procedures. When required, interview loan and mortgage applicants, assist in the proper completion of credit applications, analyze financial information, assess credit, and make recommendations for approvals/declines. Maintain both a high personal profile and the reputation of IC Savings as the financial institution of choice amongst the Mortgage Broker community. 5+ years of retail credit adjudicating experience in the banking industry, with at least 2+ years in the alternative mortgage lending space. ~ Completion of post-secondary education in combination with relevant mortgage underwriting experience and job-related courses/education. ~ Self-starter, self-motivated, creative and entrepreneurial with solid interpersonal and communication skills and an ability to work within a team setting. ~ Strong English written & oral communication skills; excellent phone etiquette; proficiency in other languages an asset. ~ Proficiency in MS Word, Excel, and Outlook. ~ Strong focus on customer service excellence, organization, attention to detail and sense of urgency; Professional, team oriented, office environment. Monday to Friday from 9:00 am to 5:00 pm; these include, but are not limited to sitting, considerable use of computer and phone, seldom moving items up to 25 pounds in weight.

Job Type
s: Full-time, Permanent Dental care Disability insurance Discounted or free food Employee assistance program Life insurance On-site gym Ability to commute/relocate: ~ Etobicoke, ON M9B 1B2: reliably commute or plan to relocate before starting work (required) credit adjudication in alternative mortgage lending space:

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