Requisition ID: 92994Cost Centre: RETAIL LENDING COMPLIANCE REVIEW Employee Referral Program Potential Reward: $1,000.00 We are committed to investing in our employees and helping you continue your career at Scotiabank.
Do what you love, and youll never work another day in your life.
Ask yourself, whats important to you: supporting our customers in meeting their homeownership needs, helping your peers down the path to success, or is it contributing to the Banks strategy around risk appetite and RESULTS?! Being a part of the Mortgage Deal Assist Team (MDA) will accomplish all of the above and more!
Whether its at the branch, private lending, RSC, ASE, ACE, or the many other departments within Scotiabank, we all have one goal: making it our responsibility to ensure the customer can and will become better off. By contributing to the banks overall success, your partnership in our department will help excel your skills through individual goals, plans, and initiatives, while also supporting our teams business strategies and objectives. Keeping in tune with the Banks risk appetite, we ensure all mortgage activities are compliant with governing regulations and internal policies and procedures.
Who we ARE?
At MDA, we partner and support approximately 20,000 branch employees in 900+ branches across Canada. On average, we analyze and review 8-10 new mortgage file submissions per day and provide specific advice to Branch partners on how to move the file quickly to closing. Our aim is to achieve a high quality assurance target for assigned and completed files, and maintain and meet SLA requirements with partners. Join us in leading our customers down the right path to becoming better off through their mortgage journey.
What will you DO?
Actively contribute to Scotiabanks culture in a team-based environment all working towards the same goal, while assisting our partners to provide accurate and efficient results.
Display and maintain a thorough and knowledgeable perspective of Real Estate Secured Lending products, policies, processes and related systems.
While being effective and efficient, analyze application information and associated documentation to assess the reliability/replication of adjudicated, condition fulfillment and ensure they are in line with Bank and risk management policy.
Record file review findings accurately through a defined process.
Report any unusual occurrences or potential fraudulent activity during the file review to your Team Lead.
Provide accurate and informative deficiencies/feedback with coaching and guidance to our Branch partners with the goal of preventing further discrepancies for future submissions.
Make sound decisions and judgments when necessary and reasonable based on the specific file and customer situation and clearly document the decision made.
Keep yourself updated on changes to policy and processes within RESL while also identifying operational, policy, and training opportunities or gaps to support our team and improve our processes.
Who are YOU?
You have significant experience in underwriting mortgage files for customers.
You are willing to assist the branch and customer throughout their mortgage journey in a concise, clear and respective manner.
You are passionate about doing what you love and will ensure your best efforts are put forth to enhance the customer experience.
You are a curious, strategic, reasonable, problem-solver, and driven individual who can contribute to the bank overall success.
You have an expert understanding and knowledge of all retail lending policies in relation to mortgages and general bank processes.
You are fluent in English and French
Are you ready to take the next step in your career development?
After all, your career is a journey choose the path that will take you further and join Mortgage Deal Assist!
Location(s): Canada : Ontario : Mississauga || Canada : Ontario : North York || Canada : Ontario : Toronto || Canada : Quebec : Montreal
As Canada’s International Bank, we are a diverse and global team. We speak more than 100 languages with backgrounds from more than 120 countries. Our employees are committed to a superior customer experience and use the Banks six guiding sales practice principles to ensure they act with honesty and integrity.At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.