Job Description

Joignez-vous a la Banque Qui Defie

Etre une banque traditionnelle n'est tout simplement pas notre genre. Alors nous relevons le defi de faire preuve de creativite en offrant des solutions bancaires novatrices aux Canadiens.

Comment? Avec une equipe talentueuse de challengers curieux qui savent s'adapter et remettre en question le statu quo. Si redefinir l'avenir des services bancaires vous tient a coeur et que vous souhaitez le faire en ayant du plaisir, cette occasion pourrait etre ideale pour vous.

Notre entreprise continue de croitre : nous servons aujourd'hui plus de 670 000 personnes au Canada par l'entremise de la Banque Equitable, La Banque Qui Defie du Canada, et nous existons depuis plus de 50 ans. La filiale en propriete exclusive de la Banque Equitable, la Banque Concentra, appuie les cooperatives de credit du Canada qui servent plus de six millions de membres. Ensemble, nous avons plus de 125 milliards de dollars d'actifs sous gestion et administration combines, avec la mission claire de stimuler l'evolution des services bancaires canadiens pour enrichir la vie des gens. Notre plateforme numerique Banque EQ (eqbank.ca/fr) remporte la faveur de nos clients, a qui nous devons notre place parmi les meilleures banques du Canada sur la liste des meilleures banques au monde de Forbes depuis 2021.

Join a Challenger

Being a traditional bank just isn't our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what's possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you're not afraid of taking on big challenges and redefining the future, you belong with us. You'll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together.

We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank(TM), and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021.

The Residential Mortgage Officer is responsible for maintaining and updating mortgage files from the commitment approval stage to the time the loan is funded. This mainly includes the reviewing of files, correspondence with mortgage brokers to request outstanding documents and the adjudication of documents as per FINTRAC, internal AML/ATF guidelines and EQB policies and procedures. The Residential Mortgage Officer also plays an integral role in the mitigation of fraud within the Single Family Residential Department.

Ce poste est une partie essentielle de notre equipe Prets hypothecaires residentiels traditionnels. Vous serez responsable de la tenue et de la mise a jour des dossiers hypothecaires de l'etape ou l'engagement est emis jusqu'au moment ou l'avocat ou le notaire recoit ses instructions.
###

The Work ! Le Travail !

On a daily basis, the incumbent will obtain and review required documentation with a strong emphasis on anti-money laundering (AML) and anti-terrorist financing (ATF) requirements, including but not limited to, income, down payment verification and client interviews. The incumbent will ensure that documentation adheres to corporate guidelines and will mitigate any concerns surrounding suspected misrepresentation when required. (35%) On a daily basis, the incumbent will strive to ensure that mortgage files are in compliance with the Company's established lending policies and procedures as well as ensuring that legal, AML and ATF requirements have been satisfied. (35%) On a daily basis, the incumbent is responsible for time management of their deal flow in order to meet prescribed deadlines. Day-to-day the incumbent will make diligent use of reports to track and manage the flow of all deals funding for their team. (15%) On a daily basis, the incumbent will communicate with internal contacts (underwriters, managers, administrators and mortgage sales staff) and external contacts (mortgage brokers and clients) to ensure transactions are processed in a timely and efficient manner in order to meet tight deadlines. The incumbent will provide the highest level of internal and external customer service while fielding mortgage broker and client inquiries. (10%)
On a daily basis, the incumbent will monitor changes to deals and update files as required. The incumbent must send correspondence to the appropriate parties apprising them of changes. The incumbent must also ensure that Quality Assurance requirements and Compliance review queries are dealt with in a timely and accurate manner. (5%)



Obtenir la documentation requise et en verifier l'exactitude et la legitimite en mettant fortement l'accent sur les exigences relatives a la lutte contre le blanchiment d'argent et le financement des activites terroristes. Veiller a ce que les dossiers hypothecaires soient conformes aux politiques et procedures de pret etablies par la Societe et les assureurs de prets hypothecaires, et veiller a ce que les exigences juridiques et de lutte contre le blanchiment d'argent et le financement des activites terroristes soient respectees. Gerer votre flux d'affaires afin de respecter les delais prescrits et faire un usage diligent des rapports pour suivre et gerer le flux de toutes les operations de financement pour votre equipe. Communiquer avec des contacts internes (souscripteurs, gestionnaires, administrateurs et personnel de vente de prets hypothecaires) et externes (courtiers hypothecaires, clients et assureurs de prets hypothecaires) afin de s'assurer que les transactions sont traitees en temps opportun et efficacement dans le but de respecter les niveaux de service convenus tout en offrant un service a la clientele de qualite superieure. Surveiller les changements apportes aux operations et mettre a jour les dossiers au besoin, communiquer avec les parties concernees pour les informer des changements et s'assurer que les exigences relatives a l'assurance de la qualite et les demandes d'examen de la conformite sont traitees en temps opportun et avec exactitude. Aider les autres membres de l'equipe afin de s'assurer que l'equipe respecte les niveaux de service convenus.
###

Let's Talk About You ! Parlons de Vous !

Completion of a post-secondary degree preferably in a financial field 1-2 years' mortgage experience in the alternative mortgage market Sound thinker with the ability to multi-task; ability to handle multiple competing priorities Excellent attention to detail Ability to grasp AML & ATF practices Established and meticulous organizational skills Excellent time management, analytical and problem solving skills Ability to make complex decisions under pressure Proven ability to thrive in a constantly changing environment and to perform well in a high volume, high intensity environment Highly developed verbal and written communication skills with the ability to respond in a clear, concise and professional manner Committed to providing superb customer service Proficiency in MS Office (mainly MS Word and Excel) Detailed knowledge of mortgage funding and quality assurance processes Ability to comprehend and assess documentation relating to mortgage down payment and borrower income confirmation Mindful awareness of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation when required The incumbent will be required to have knowledge of the English language in order to: service English speaking customers all across Canada as part of their job, liaise with English speaking colleagues and managers who are located outside of Quebec to conduct their job, and utilize essential resources for their job in departments which operate exclusively out of Equitable's head office in Toronto.


Solide capacite a reflechir et a mener plusieurs taches de front Excellent souci du detail Capacite de suivre les pratiques de lutte contre le blanchiment d'argent et le financement des activites terroristes Connaissance de base des programmes et des exigences de pret des assureurs de prets hypothecaires Excellentes competences en gestion du temps et capacite de travailler sous pression Solides competences en communication ecrite et orale Capacite d'etablir des relations a tous les niveaux Fierte a offrir un excellent service a la clientele Au moins un an d'experience dans le domaine des prets hypothecaires, de preference sur le marche des prets hypothecaires traditionnels Maitrise de Microsoft Office (Word et Excel) Diplome d'etudes postsecondaires, de preference dans un domaine financier Connaissance approfondie du financement hypothecaire et du processus d'assurance de la qualite, un atout certain Le titulaire du poste devra avoir une connaissance de la langue anglaise lui permettant de servir des clients anglophones partout au Canada dans le cadre de son travail, d'assurer la liaison avec des collegues et des gestionnaires anglophones qui travaillent hors du Quebec, et d'utiliser des ressources essentielles pour son travail au sein de services qui exercent leurs activites exclusivement depuis le siege social de la Banque Equitable a Toronto.

Ce que nous offrons [pour les postes permanents a temps plein]

uD83DuDCB0 Prime discretionnaire concurrentielle
? Programme de jumelage de REER de premier plan sur le marche
uD83EuDE7A Soins medicaux, dentaires, de la vue, assurances vie et invalidite
uD83DuDCDD Regime d'achat d'actions des employes
uD83DuDC76uD83CuDFFD Prestations complementaires pour conge de maternite ou parental pendant que vous prenez soin de votre enfant
uD83CuDFDD Politique de vacances genereuse et jours personnels
uD83DuDDA5 Activites virtuelles pour etablir des liens avec vos collegues
uD83CuDF93 Allocation annuelle de perfectionnement professionnel et un programme complet de perfectionnement professionnel
uD83DuDC9B Une occasion enrichissante de rejoindre l'une des FinTechs et de contribuer a creer un nouveau type d'experience bancaire

What we offer [For full-time permanent roles]

uD83DuDCB0 Competitive discretionary bonus
? Market leading RRSP match program
uD83EuDE7A Medical, dental, vision, life, and disability benefits
uD83DuDCDD Employee Share Purchase Plan
uD83DuDC76uD83CuDFFD Maternity/Parental top-up while you care for your little one
uD83CuDFDD Generous vacation policy and personal days
uD83DuDDA5 Virtual events to connect with your fellow colleagues
uD83CuDF93 Annual professional development allowance and a comprehensive Career Development program
uD83DuDC9B A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience

La Banque Equitable est profondement engagee en faveur de l'inclusion. Notre organisation est plus forte et nos employes s'epanouissent lorsque nous honorons et celebrons les experiences et les points de vue diversifies de chacun. Parallelement a cet engagement, nous appuyons et encourageons nos employes a s'epanouir non seulement dans leur cheminement de carriere, mais aussi sur le plan personnel.

Nous nous engageons a offrir un processus de recrutement et un milieu de travail sans obstacle a tous les candidats. Veuillez nous faire part de toute mesure d'adaptation necessaire pour que vous puissiez donner le meilleur de vous-meme dans le processus de demande d'emploi et par la suite.

Nous avons hate de vous connaitre!

Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone's diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well.

We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position.

We can't wait to get to know you!