Job Description

Gestionnaire Principal, Souscription - MERIX

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Le role

Le titulaire de ce poste est charge de gerer, diriger et motiver l'equipe de souscription et d'etablir le plan d'affaires operationnel et l'orientation pour etablir et appliquer les politiques et les procedures. Il dirige une equipe chargee d'assurer le traitement rapide, precis et efficace des activites initiees par le courtier, nouvelles et existantes. Il est responsable de la conformite des processus en matiere de PSPHR, d'attenuer les risques operationnels tout en minimisant les couts et en offrant une experience client optimale. Il est responsable de la contribution, de la mise en oeuvre et du suivi du plan d'affaires annuel et de s'assurer qu'il est conforme sur le plan strategique afin de soutenir la realisation de la vision, de la mission, des objectifs et des valeurs de MCAP.


Le titulaire de ce poste est egalement charge de s'assurer que l'unite fonctionnelle dispose de ressources necessaires pour repondre aux besoins de nos courtiers, et de s'assurer que les employes sont correctement formes et disposent des outils de gestion necessaires pour effectuer le travail. Il est responsable des activites quotidiennes liees a l'experience client, notamment le delai de prise de decision et de documentation des transactions, en interagissant avec les parties prenantes concernees, les fournisseurs tiers et les autres unites fonctionnelles de MCAP.


En tant que membre principal de l'unite fonctionnelle, le responsable principal de la souscription rend compte de facon reguliere des indicateurs cles a l'equipe de direction.

Planification et performance

Piloter et executer le plan d'affaires annuel. Developper, mettre en oeuvre et suivre les objectifs particuliers de l'unite fonctionnelle sur une base annuelle. Travailler en etroite collaboration avec le directeur principal/vice-president des operations et proposer des recommandations pour l'amelioration des operations et l'experience client. Gerer les problemes de pret complexes et escalades. Synthetiser toute la documentation au dossier et prendre une decision qui assurera la conformite en matiere de PSPHR et des procedures des organismes externes et internes afin de garantir un niveau de risque acceptable. Capacite a repondre avec diplomatie aux problemes affectant la reputation ou l'image publique de MCAP aupres des courtiers, des assureurs et des concurrents. Gerer les ressources pour distribuer efficacement les demandes de pret hypothecaire, verifier la documentation entre les membres de l'equipe afin de respecter ou de depasser les normes de service. S'assurer que l'ensemble du personnel comprend la politique PSPHR et les objectifs de risque afin de garantir la qualite elevee des actifs. Surveiller toutes les activites pour s'assurer qu'elles sont realisees conformement au processus documente de MCAP. Communiquer avec le personnel pour resoudre tout probleme lie a la documentation ou aux clotures. Examiner et prendre des decisions concernant les prets hypothecaires conformement aux politiques et lignes directrices de MCAP et de l'autorite d'approbation des prets. Maintenir a jour ses connaissances de MCAP et des conditions du marche afin de les transmettre a l'equipe. Developper et maintenir une excellente connaissance pratique des systemes et processus de souscription, ainsi que des directives de credit et de souscription afin de faciliter l'enquete sur les problemes signales et de fournir un contexte pour les reponses a l'equipe des ventes et aux courtiers. Superviser la mise en oeuvre des lignes directrices des politiques des assureurs hypothecaires et des preteurs/investisseurs sur les solutions de reglement des prets en defaut. Se tenir au courant des tendances de l'industrie et recommander des changements aux politiques et aux procedures, au besoin. Capacite a prendre des decisions fondees sur les resultats et conformement aux priorites strategiques.

Gestion des relations

Agir a titre d'ambassadeur de l'AFS a la souscription de MCAP pour assurer la mise en oeuvre et l'execution des initiatives des preteurs, investisseurs et assureurs, et ainsi preserver une solide reputation. Repondre aux besoins des preteurs, investisseurs et assureurs et formuler des recommandations proactives en matiere d'ameliorations et d'occasions. Collaborer avec les preteurs, investisseurs et assureurs de MCAP pour resoudre les problemes escalades et faciliter les demandes d'audit liees aux problemes de financement. Etre capable de diriger et gerer des projets. Au sein de la region, promouvoir la croissance des prets hypothecaires residentiels rentables en : + Favorisant les relations avec les courtiers;
+ Repondant aux questions des courtiers ou aux preoccupations de toutes les parties prenantes dans l'intention d'etablir ou de maintenir rapidement des relations;
+ Entretenant de bonnes relations de travail avec les assureurs et les responsables du developpement commercial.
+ Sensibiliser aux possibilites et aux lacunes en matiere de credit/risque MCAP concernant les produits et les programmes de MCAP.
+ Developper et maintenir une connaissance approfondie des produits, politiques et procedures hypothecaires afin de faciliter la promotion de nos offres aupres des courtiers hypothecaires et de leurs clients.
+ Representer MCAP lors de reunions et d'evenements de l'industrie.

Diriger et gerer le personnel

Defendre la vision, la mission et les valeurs de l'entreprise, telles qu'elles sont enoncees dans le plan strategique, tant a l'interne qu'a l'externe au sein de l'industrie. Recruter et former les personnes competentes qui adherent aux valeurs et a la culture de MCAP et les refletent par leur comportement. Assurer le leadership, l'orientation et l'encadrement des collaborateurs directs afin de faciliter l'atteinte des buts et objectifs. Etablir, surveiller et communiquer des normes de rendement aux subordonnes directs afin de renforcer les resultats individuels, la qualite du travail, l'amelioration continue, le travail d'equipe et la realisation des objectifs de MCAP. Former, encadrer et conseiller le personnel pour s'assurer qu'il est habilite a gerer efficacement ses roles de maniere confiante et professionnelle. Determiner les forces du personnel pour fournir un cheminement de carriere approprie. Etablir des objectifs et fournir des conseils pour encourager le developpement des employes. Trouver les ecarts de rendement et developper un plan d'amelioration. Former le personnel conformement a la planification de la releve et aux exigences operationnelles courantes. Mettre en place et maintenir un systeme de communication efficace dans l'ensemble de l'unite fonctionnelle. Veiller a instaurer et promouvoir une culture d'amelioration continue. Traiter rapidement les problemes disciplinaires graves, comme l'absenteisme et les problemes de rendement, et participer a l'embauche de nouveaux employes et les recommander.

Votre contribution a l'equipe

5 ans d'experience commerciale dans le secteur des prets hypothecaires residentiels 5 ans d'experience dans un poste de leadership Capacite a cibler, evaluer et articuler les enjeux et les responsabilites qui peuvent etre complexes a definir et a comprendre Capacite a cerner les problemes et a presenter des solutions de remplacement Competences exceptionnelles en resolution de conflits. Excellentes competences interpersonnelles et capacite a favoriser et a entretenir des relations avec tous les niveaux du personnel et des professionnels tiers; flexible et accessible Connaissance requise du droit immobilier et de son application dans toutes les provinces Excellentes competences en matiere de prise de decision, de jugement et de negociations Desireux de partager ses connaissances, aime apprendre et capacite a se motiver soi-meme et les autres pour atteindre des objectifs Forte ethique de travail Competences exceptionnelles en communication orale et ecrite Excellentes competences organisationnelles et de gestion du temps Capacite a effectuer plusieurs taches dans un environnement dynamique Excellentes competences en analyse et en resolution de problemes Capacite a diriger des initiatives de changement et a entretenir des relations positives Excellentes competences en service a la clientele Motivation et capacite a travailler de maniere autonome et en equipe S'acquitte de ses taches avec integrite et assume la responsabilite de ses actions Connaissance des politiques de la SCHL, de Canada Guaranty et de Genworth Capacite a sortir des sentiers battus et a proposer des solutions grace a une pensee novatrice Capacite a mobiliser les ressources pour respecter les echeances Excellentes competences en resolution de problemes et de conflits Capacite eprouvee a encadrer, mentorer et former le personnel Connaissance et comprehension du secteur des prets hypothecaires et des tendances de l'industrie en lien avec l'unite fonctionnelle et MCAP Connaissance de Microsoft Office et de ses applications requise Experience avec SharePoint Professionnel hypothecaire du Canada accredite (souhaitable) Diplome universitaire

Faites partie de quelque chose de grand

MCAP est l'une des plus importantes societes independantes de financement hypothecaire du Canada, avec des actifs sous gestion de plus de 150 milliards de dollars. Elle propose des solutions en matiere d'hypotheques residentielles et commerciales. Depuis plus de 35 ans, MCAP consent, negocie, titrise des prets hypothecaires et en assure le service dans ses bureaux partout au Canada. De plus, MCAP octroie des prets hypothecaires residentiels exclusivement par l'entremise du canal de courtage hypothecaire, car nous sommes d'avis que le professionnalisme d'un courtier ou d'une courtiere en hypotheques est la meilleure option dont dispose le consommateur et MCAP fait activement la promotion a la grandeur du pays des services offerts par les courtiers hypothecaires. MCAP est egalement chef de file sur le marche canadien des prets a la construction residentielle et est active a ce chapitre depuis plus de 25 ans. Nos equipes de professionnels devoues servent divers clients a l'echelle du Canada, tels que des promoteurs, des constructeurs et des preteurs.

Sr. Manager, Underwriter - MERIX

MCAP at a Glance

Joining MCAP means you will be a part of our diverse workforce of highly talented individuals who are recognized for their expertise and success! At MCAP, your professional expertise, commitment to teamwork and passion for service excellence are recognized and rewarded with competitive total rewards offering, a career with continuous learning and development (formal & informal training), and exciting opportunities in a dynamic, entrepreneurial environment.

The Role

This position is responsible for directing, leading and motivating the Underwriting Team and setting the operational business plan/direction to establish and enforce policies and procedures. This role leads a team to ensure timely, accurate and efficient processing of the new and existing generated broker originated business. Responsible for ensuring the processes effectively comply with RMUP policies; mitigate operational risks while minimizing costs while delivering a best in class customer experience. Responsible for contributing, implementing and monitoring the yearly Business Plan and ensuring that it is in alignment with the strategic plan in order to support the achievement of MCAP's Vision, Mission, Objectives and Values.


The role is also responsible for ensuring the business unit is sufficiently resourced to meet the needs of our Brokers, and to ensure employees are adequately trained and have the management tools required to perform the job. Accountable and responsible for the day-to-day activities related to customer experience of turnaround time of deal decision and documentation by interfacing with the relevant stakeholders, third party suppliers and other MCAP operational units.


As a senior member of the business unit, the Sr. Manager, Underwriting, reports key metrics to the senior management team on a regular basis.

Planning and Performance

Drive and execution of the yearly Business Plan Develop/implement/monitor specific business unit objectives on an annual basis Work closely and recommend to Sr. Director/VP Operations to improve operational enhancements to improve customer experience Manage escalated and complex loan issues Synthesize all documentation on the file and make a decision that will ensure compliance to RMUP and procedures of both external and internal bodies to ensure risk levels are within tolerance Able to respond to issues affecting MCAP's reputation or public image in a diplomatic manner with brokers, insurers and competitors Managing resources to efficiently distribute mortgage applications, documentation verification between team members to meet or exceed service standards Ensure all staff understand RMUP Policy and Risk Objectives in order to ensure high asset quality Monitor all activities to ensure they are performed within MCAP's documented process Communicate with staff to resolve any escalated issues around documentation or closings Review and decision mortgages according to Loan Authority Approval and MCAP policies/guidelines Maintain up to date knowledge of MCAP and market condition in order to transfer knowledge to team Develop and maintain strong working knowledge of Underwriting systems and processes and credit/UW guidelines to facilitate investigation of escalated issues and provide context for answers to the Sales team and brokers. Oversee the implementation of Mortgage Insurer and Lender/Investor policy guidelines on the defaulted loans workout solutions Stay current with industry trends and recommend changes to policy/procedures as required Ability to make decisions based on results in keeping with strategic priorities

Relationship Management

Acts as Ambassador of MCAP SFO Underwriting to ensure implementation and execution of Lender/Investor/Insurer initiatives in order to maintain a strong reputation Responds to the needs of Lender/Investor/Insurer and provide proactive recommendations for improvements/opportunities Work with MCAP Lender/Investor/Insurer to resolve any escalated issues and facilitate audit requests as they relate to funding issues Able to Lead/manage projects Within region, promote the growth of profitable residential mortgages by: + Fostering broker relationships
+ Responding to broker questions or concerns from all stakeholders with the intent to build/maintain relationships in a timely manner
+ Maintain good working relationship with insurer and BDM's
+ Creating awareness of opportunities and gaps with MCAP Credit/Risk on products and programs
+ Develop and maintain a thorough knowledge of mortgage products, policies and procedures, to facilitate promotion of our offerings with mortgage brokers and their customers
+ Represent MCAP at identified industry related meetings and events

Lead and Manage Staff

Champion the company's Vision, Mission and Values as set out in the Strategic Plan both internally and externally within the industry Recruit and develop the right people that believe in and reflect in their behavior, MCAP's Values and culture Provide leadership, direction and coaching to direct reports in order to facilitate the achievement of goals and objectives Establish, monitor and communicate performance standards to direct reports reinforcing individual results, work quality, continuous improvement, teamwork and achievement of MCAP's objectives Educate, coach and counsel staff to ensure they are empowered to effectively handle their roles in a confident and professional manner Identify staff's strengths to provide suitable career path Establish goals and provide guidance to encourage development of employees Identify gaps in performance and develop a plan for improvement Develop staff in keeping with succession planning and ongoing business requirements Establish and maintain an effective system of communication throughout the business unit Ensure a continuous improvement culture is established and encouraged Deal rapidly with serious disciplinary problems, such as absenteeism and performance issues and participate and recommend hiring of new employees.

What You Bring To The Team

5 years' business experience in Residential Mortgage Industry 5 years' experience in a leadership role Ability to identify, assess and articulate issues and liabilities that may be complex to define and understand Ability to identify issues and present alternative course of action Exceptional conflict resolution skills. Strong interpersonal skills and able to foster and maintain relationships with all levels of staff and third party professionals; flexible and approachable Must be familiar with Real Estate law and its application in all provinces Strong decision-making, sound judgment and negotiation skills Willing to share knowledge, enjoys learning and can motivate self and others to attain goals Strong work ethic Exceptional oral and written communication skills Excellent organizational and time-management skills Ability to multi-task in a fast paced environment Strong analytical and problem solving skills Ability to lead change initiatives and foster positive relationships Strong customer service skills Self-driven, motivated with the ability to work independently and in a team environment Carries out duties with integrity and takes responsibility for actions Knowledge of CMHC, Canada Guaranty and Genworth policies Ability to think outside the box and be able to provide solutions through innovative thinking Ability to pull resources together to meet deadlines Excellent problem-solving and conflict resolution skills Proven ability to coach, mentor and train staff Knowledge and understanding of the mortgage business and industry trends as it relates to the business unit and MCAP Microsoft Office knowledge and application required SharePoint experience Accredited Mortgage Professional (AMP) (preferred) University Degree

If this sounds like you and you are looking to be a part of one of Canada's largest independent mortgage finance companies, then we want to hear from you!

Be A Part Of Something Great

MCAP is Canada's largest independent Mortgage Finance company with over $150 billion in assets under management providing mortgage solutions for residential and commercial properties. For over 35 years, MCAP originates, trades, securitizes and services mortgages in offices across Canada. MCAP originates residential mortgages exclusively through the mortgage broker channel as we believe that a professional mortgage broker is a consumer's best option and MCAP actively promotes the services of mortgage brokers across the country. MCAP is also a leader in the Canadian residential construction lending market with over 25 years in the business. Our teams of dedicated professionals serve a variety of developer, construction and lender clients across Canada.

Position #:

req2095

Employment Status:

Permanent Full Time

Location:

Montreal; Quebec

Number Of Openings:

1

Department:

Residential

Internal Job Title:

Sr. Manager, Underwriting



The above information in this description has been designed to indicate the general nature and level of work performed by employees in the position. It is not designated to contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.



MCAP provides equal opportunities for all applicants and is committed to fostering an inclusive, accessible environment, where all employees feel valued, respected and supported throughout the recruitment and employment process. If you require accommodation, we will work with you to meet your needs.