Fulfillment and Credit Officer

FIRSTONTARIO CREDIT UNION - Woodstock, ON (il y a 30+ jours)

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Why FirstOntario?

FirstOntario Credit Union is one of the largest credit unions in Ontario. We are a trusted co-operative financial intuition dedicated to providing competitive banking products and services and a quality Member service. More than 118,000 Ontarians choose FirstOntario for their financial needs – from chequing and savings accounts to loans and mortgages and highly qualified investment advice. Our Membership does more than save you money on fees, it also makes you an Owner. At FirstOntario, we believe the best way to ensure our success is by supporting the communities we serve. That’s why our policies include volunteering our time, talent and resources to worthy local causes and events. It’s also why we reinvest our profits in the same places they’re earned, and why we sponsor programs that promote financial literacy and economic development.

Job Overview

The Fulfillment Officer/ Credit Officer is responsible for adjudication on identified mortgage broker submissions, preparation of all required credit documentation and providing administrative support to the team to ensure personalized service for the broker network, members and prospective members. We are looking for a contract position for up to 1 year.

Role

In the role, you will…

· Conduct file reviews to ensure documentation is complete and accurate prior to funding

· Focus on mortgage retention through internal and external member contact

· Review, recommend decisions, and when appropriate, make adjudication decisions on mortgage broker credit submissions

· Co-ordinate and monitor the quality of credit submissions from various sources, ensuring timely and accurate submission of all retail credit report

· Keep informed of, and be excited to implement service improvements, new concepts, efficiencies, processes, software technology etc. that will improve the operating proficiency of the retail lending function

· Act as a subject matter expert for the lending platform and Filogix on any related project initiative

· As required, assist employees in solving problems and helping with complex work-related matters

· Answer and/or investigate queries from brokers and/or staff by telephone, making referrals as necessary

· Keep informed on FCU mortgage products/services, interest rates, lending policies/procedures and other pertinent information

· Pay close attention to details when you prepare all required documentation and gather all pertinent information to ensure a complete credit file, referring any credit not approved to the appropriate person

· Complete all related reports, entries, follow-up on deals as required

· Consider, recommend and when appropriate implement efficiencies and improved systems and processes

· Play an active role in your personal professional development, participating in/subscribing to professional associations as approved

· Consider health & safety as a primary concern to ensure the overall well-being of yourself and others

· Perform other duties as required

Required Skills

Within your skills and qualifications, you will…

· Have a sound business acumen which you built from the ground up with a post-secondary Degree or Diploma in business or economics or an equivalent combination of education and industry experience

· Have two to four (2-4) years’ lending experience in the financial services industry, specifically in the area of mortgage credit

· Have working knowledge of credit investigation, analysis and related policies and procedures

· Have experience preferably in the financial services/mortgage financing industry

· Have working knowledge of lending platforms; CRIterion is considered an asset

· Experience and knowledge of CMHC and Genworth Insurance requirements

· Be overly analytical and detail orientated when it comes to reporting, data analysis and writing credit deals

· Enjoy being a team player, willing to assist other staff as required

· Be adaptable and an organized multi-tasker that thrives in a fast pace, growing work environment

· Flourish working under pressure and with time sensitive deadlines

· Have strong underwriting skills and good negotiating skills

· Innately demonstrate superior written and verbal communication skills

· Be willing to work irregular hours as required to accommodate member service demands and deadlines

· Enjoy being a team player, willing to assist other staff as required

· Be aware of and mitigate enterprise risk factors and ensure compliance with applicable regulations, legislation and FirstOntario policies and procedures

Our Story
Our emphasis on service means we’re constantly searching for new team members whose dedication to helping people is as powerful as their ambition to succeed. We’re committed to providing professional development, and to extending employee activities beyond day-to-day operations to support the communities where we’re located. Our people are the difference, it’s a part of why we love coming to work.

If this sparks your interest and you demonstrate high levels of integrity and credibility, we should talk. Check out our website for the full job description and prepare your cover letter and resume listing your experience, qualifications, and submit it online through our careers page on the company website.

We appreciate all who express interest; however, only those selected for an interview will be contacted. No phone calls please.

FirstOntario Credit Union will provide accommodations for persons with disabilities, where needed, to support their participation in our recruitment process.

Benefits:

  • Extended health care
  • Dental care
  • Vision care

Job Types: Full-time, Temporary, Contract

Experience:

  • lending in a financial institution : 2 years (Required)