Job Description

Description :

Underwriter, Residential Mortgages, AVEO Channel

Vancouver, BC; Calgary, AB

We are seeking an experienced and dynamic Underwriter to join our non prime Residential Mortgage division. Where mainstream lenders stop, CMLS digs deeper to unearth a life story that can be just as creditworthy. Our AVEO brand is here to bring the dream of home ownership to the front door of more Canadians from coast to coast, and you can be a part of the next exciting chapter for a greater variety of deserving homeowners.

In this position, you will take a customer forward approach when working closely with the Residential Sales team and our national broker channel. You will utilize your detailed knowledge of the non prime residential mortgage industry, conditions management, regulatory compliance and sound decision-making skills to adjudicate \xe2\x80\x9cnon prime\xe2\x80\x9d and \xe2\x80\x9cnon conforming\xe2\x80\x9d mortgage applications based on established guidelines and authorized lending limits while employing strong solution-focused communication skills to deliver your message. You will work within an end-to-end mortgage underwriting process to manage the mortgage application from the time of commitment to when all conditions have been met.

About the role:

• End to End underwriting process
• Adjudicate information presented and address any discrepancies or inconsistencies
• Confirming appropriate due diligence has been complete prior to issuing a commitment
• Verify data to ensure it meets with company guidelines
• Prioritize deals in the workflow queue in order to maintain a 4 hour turnaround time
• Respond to questions, concerns email and phone calls within a 2 hour period from all clients with the intent to build and maintain relationships
• Provide our brokers with all mortgage options to assist in making an informed decision
• Correspond with mortgage brokers to attain outstanding documentation needed to complete requirements as stipulated on the mortgage commitment.
• Manage the files from the time of commitment to all conditions met
• Provide liaison and support for funders
• Extensive knowledge of the documentation required for all mortgage products

This role is for you if you have:

• Demonstrated strong sound credit judgment
• Ability to provide alternate solutions based on product availability in the AVEO brand, including and not limited to non conforming lending.
• Experience with credit compliance review is preferred
• Post-secondary education and/or equivalent work experience
• Working knowledge of residential mortgage legal documentation
• 5 or more years of experience in the mortgage industry (residential mortgage underwriting experience is strongly preferred)
• Ability to understand financial statements
• Proficiency with Microsoft computer applications
• Extensive knowledge of the review process for all documentation

Benefits and Perks

Some of the benefits we offer at CMLS are:

• Health and Wellness Spending Accounts
• Health, Drug, Vision, and Dental benefits
• Paid vacation, sick days, and personal days (in addition to all civil and statutory holidays)
• RRSP Matching Program
• Maternity / Parental Leave Top Up Program
• Discounted gym memberships
• Travel assistance and EAP
• Business Casual dress code
• Company social events + sport teams
• Hybrid work arrangements and telecommuting opportunities
• And more!

Who are we?

Established in 1974, CMLS Financial is the leading provider of capital solutions for commercial property owners, developers and real estate investors. We have over 50 years of experience, 30,000 clients, $35 billion in assets under administration, and offices coast to coast. Some of Canada\'s most prominent banks, investment managers, insurance companies, and pension funds rely on CMLS Financial for a variety of critically important services. Building on our solid foundation of financial strength and experience, we continue to deliver unparalleled capital solutions for all our clients needs.

You will love working here

Employees tell us that they love that we strike the balance in creating an incredibly professional, yet dynamic and enjoyable corporate culture. We work in a fluid and fast-paced environment that is supportive of energetic and motivated individuals who pride themselves on being flexible and results-driven. Business is booming and that means that our employees are able to gain valuable exposure, have lots of learning opportunities, and truly impact the business. We are committed to providing our people with a challenging and rewarding career because our employees are what set us apart and we know it.

Equal Opportunity Employer

CMLS Financial is an equal opportunity employer committed to diversity and inclusion. We are pleased to consider all qualified applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veterans status, Aboriginal/Native American status or any other legally-protected factors. Disability-related accommodations are available on request for candidates taking part in all aspects of the selection process.

We want to hear from you!

If you are confident that you would be a strong asset to our team, submit both a cover letter and resume today. Be sure to tell us why you believe yourself to be a perfect fit! We thank all applicants for their time in applying, however we will only contact those selected for an interview. Consideration of applications will begin immediately and continue until the position is filled.

CMLS Financial