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Department : Everyday Financial Services (EFS)
Job Number : REQ4704
System Title : Mortgage Underwriter
Location : Alberta (This is a fully remote opportunity; occasional travel to Calgary / Edmonton may be required) #LI-Remote
Apply by : September 21, 2022
Paygrade : J-PFS
Positions available : Multiple
Leader Name : Manager, Mortgage Underwriting
As ATB’s next Mortgage Underwriter, you play a key role in the approval process for all mortgage applications sourced by the Mortgage & Broker Services Sales team.
All this is done within their lending limits and in accordance with service level agreements, compliance and the knowledge Guide.
The Underwriter will conduct detailed credit analysis preceding the granting of a loan, based on credit information provided by the borrower.
This position demands a high level of service quality, credit decisioning and the ability to coach and counsel various members of the sales team regarding deal presentation and source documents provided.
This includes the Credit quality of all source documents required to support the application.
Applications outside of lending limits are referred to the Manager, Underwriting or Retail Credit with recommendations.
The Underwriter will coach and counsel various members of the Mortgage & Broker teams regarding deal presentation and source documents provided.
On a daily basis, provide the highest level of internal and external client service while fielding inquiries and building strong relationships.
Works towards constant refinement and streamlining of credit processes in order to reduce costs, improve turnaround times or improve credit quality while balancing the expectations of sales team members, clients and ATB Financial.
Post Secondary Degree / Diploma in Finance, Business or related experience is required.
Minimum of 5 years lending experience
Mortgage fraud detection courses / programs is an asset.
On a daily basis the Underwriter has contact with sales team members to provide direction regarding credit, operations and risk.
Interacts with Retail Credit and other corporate partners to ensure customer, sales team members, and ATB’s risk management expectations are met.
Is an influencer with strong consulting and communication skills; is able to promote consistency of practice and employ flexibility in their approach.
Recognized as an expert in their own area within the organization.
Proven ability to execute on strategies that establishes a new bar for client service excellence within the Retail Banking Industry.
Experience analyzing financial data & structuring credit recommendations.
Experience reading and interpreting personal financial statements and information.
Underwriter experience with Mortgage and land secured lending is a necessity.