Mortgage Officer Trust

Mortgage Officer, Toronto - Home Trust

Fairstone Bank (Home Trust Company, a subsidiary of Fairstone Bank) – Toronto, Ontario

Come join Home Trust Company as a Mortgage Officer in our Underwriting Classic – Toronto team! Home Trust Company is Canada’s leading alternative lender, employing nearly 800 people at our Toronto headquarters and branches across the country. Building on the strength of our core residential mortgage lending business, the company also offers complementary lending services and competitive deposit investment products through Oaken Financial.

Our culture is shaped by passion and integrity.

The Mortgage Officer is primarily responsible for managing the residential mortgage file from sign back of the commitment letter to funding. The Mortgage Officer will ensure all broker conditions are fulfilled, and that the mortgage file is completed in accordance with company policies and guidelines. This position drives quality through accuracy and efficiency while ensuring required service levels are achieved.

• Reviews mortgage files and ensures client documentation (income, job letter verification, bank statement analysis, down payment and client interviews) meet all company lending policies, guidelines and are accurate and complete.
• Owns approved files, analyzes data, updates internal records, verifies file metrics remain within company guidelines, notes discrepancies and provides approval credit rationale as required.
• Ensures all documents are signed back and received from mortgage brokers within established SLAs.
• Manages, compiles, reviews and organizes mortgage documentation within established SLAs in a high‑volume, service‑oriented environment.
• Collaborates with the Funding team to ensure timely closings.
• Serves as the main point of contact for mortgage brokers after the commitment letter has been signed back.
• Conducts daily follow‑up with brokers to answer broker/client questions and ensure all required documentation has been submitted, reviewed and actioned.
• Collects and reviews documentation supplied by client and broker to ensure authenticity and compliance with Home Trust Company’s policies, underwriting policies, lending guidelines, privacy, anti‑money‑laundering, anti‑terrorist financing and anti‑fraud policy requirements.

• Authorized to work in Canada.
• Strong communication skills.
• Post‑secondary degree or diploma, preferably in business management, finance or a related field (university an asset).
• 2 years of experience in an administrative environment, preferably within the mortgage industry (an asset).
• Maintain a positive supportive attitude, help to maintain an inclusive and supportive company culture.

• Base salary with yearly incentive performance bonus.
• Three (3) weeks of vacation, plus six (6) flex days (sick or personal) in addition to statutory holidays.
• Comprehensive benefit packages offered through Manulife.
• Group Retirement Savings Plan (GRSP).
• Employee discounts – phone plans, gym membership, Toronto Bike Share and many retailer discounts offered through Work Perks.
• Education assistance program.

Expected salary range: $50,000 – $65,000 per year.

Job type:
Permanent

Time type:
Full time

Seniority level:
Entry level

Employment type:

Full‑time

Job function:
Finance and Sales

Learn more:

Follow us on Linked In:

Referrals increase your chances of interviewing at Fairstone Bank by 2x

If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application.

Artificial intelligence may be used in parts of the recruitment process.

This posting is for an existing vacancy within our organization.

Fairstone is an equal opportunity employer. Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.