Mortgage Underwriter (4704)
ATB
Edmonton, Alberta, CA
5d ago

Description

Our bottom line is different.

There’s something special about working at ATB, and it’s been recognized on every that matters. Maybe it’s our exceptional culture where your is supported through market-leading benefits and you’re free to bring your whole self to work.

Maybe it’s our commitment to a growth mindset and our unrelenting thirst for for fellow Albertans even the ones who aren’t our clients.

Whatever it is, you won’t find a more genuine, driven and knowledgeable group of humans anywhere. We foster a culture of purpose, performance and possibilities.

We engage with intense curiosity, and bring our whole selves to work, every day. We know it starts with people like you, so take a chance and start with us.

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.

Key Responsibilities

  • 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.
  • Accreditation

  • 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.
  • Key Relationships

  • 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.
  • Core Skills

  • 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.
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