Job Description

RFAs residential mortgage lending business is operated by RFA Mortgage Corporation and RFA Bank of Canada, a federally regulated Schedule I Bank. RFA Mortgage Corporation specializes in Prime lending (Insured, Insurable, Uninsurable), while RFA Bank of Canada is a balance sheet based Alternative mortgage lender (Alt-A and B lending). Combined, RFA offers mortgage brokers a one-stop shop with our full suite of competitive Prime and Alternative mortgages.
RFAs strategic vision is to be a long-term leader in the residential lending segment by offering a value proposition beyond just rate and compensation. Through building a competitive broker experience and solutions-oriented product suite, RFAs goal is to be recognized and recommended by our mortgage broker partners, mortgagors, and other strategic partners, for our financing solutions and broker/client experience.
The Opportunity
Reporting to the Manager, Inside Sales, the purpose of this role is to respond to existing client inquiries regarding purchases, refinancing, or other mortgage needs. The Mortgage Agent will act as the clients point of contact throughout the application process for new mortgage requests.
Core Responsibilities

• Respond to client inquiries regarding current mortgage needs in a timely manner that is accordance with agreed upon departmental guidelines.
• Conduct a client needs analysis and ensure product suitability (Purchase, Refinance, Port, Title Transfer or Assumption) before proceeding with a new application.
• Action opportunities to sell new mortgages and bridge financing to existing clients; retain existing clients through excellent customer service and finding solutions to current mortgage needs.
• Package applications and documentation for review by RFA Mortgage Corporation (RFAMC) credit department; Ensure all applications meet or exceed RFAMC lending standards.
• Escalate files for exceptions where it reasonable to do so.
• Effectively communicate application decisions (including declines) and closing conditions to clients.
• Record interactions and details of activities on client file.
• Work with RFAMC Customer Service and Renewal teams in support of all mortgage retention activities.
• Maintain knowledge of, and adhere closely to, established corporate mortgage policies, procedures and processes to produce high quality files that comply with current standards and regulations.
• Provide feedback to management to help identify enhancements that can improve overall retention.
• Assist team members with problem resolution by providing and sharing information and experiences.
• Attend meetings and training seminars as required.

What you can bring to RFA:

• Minimum of 2 years experience with residential mortgages
• Experience across various areas of residential mortgage sales, administration and/or servicing is an asset.
• Currently licensed as a Mortgage Agent in Ontario
• Previous experience as a mortgage agent or broker
• Working knowledge of the principles of credit analysis and risk management
• Pleasant and professional telephone manner and attitude
• Residential or commercial underwriting experience is an asset
• Working knowledge of mortgage products and mortgage application structuring
• Ability to understand financial statements and assess financial viability
• Working knowledge of mortgage administration processes and documentation
• General knowledge of real estate, mortgage legislation and land title systems
• Working knowledge of PC and MS Office software in a Windows environment

Benefits of Working at RFA:

• Health & Dental Care
• Vision Care
• RRSP Match
• Vacation & Personal Days
• Hybrid work conditions
• Health & Wellness Spending

Are you the Right Candidate?

• Highly motivated and customer focused
• Developed professional sales, negotiation, and relationship management skills
• Demonstrate ethical behaviour and conduct at all times
• Excellent verbal and written communication skills
• Strong organizational and time management skills
• Ability to establish and maintain strong internal and external relationships
• Ability to handle high volumes and tight turnaround times

Accessibility
Accommodation is available upon request for applicants and employees with disabilities. If you are contacted for a job opportunity, please advise us of any accommodations needed to ensure you have access to a fair and equitable process. Any information received relating to accommodation will be addressed confidentially.