Residential Underwriter

About the role

The Residential Underwriter will adjudicate mortgage applications by assessing prospective clients in accordance with the 5 C’s (Capacity, Capital, Collateral, Character, and Conditions). Assessing risk and ensuring all applications adhere to both quality and service standards remain the overarching focus for this role. In addition:

• Make prudent credit decisions on complex mortgage files.
• Receive, review, analyze and verify mortgage applications for completeness, accuracy, suitability and risk to ensure compliance with all aspects of Home Trust Company’s underwriting policies, procedures and guidelines per delegated authority matrices.
• Adhere to applicable compliance obligations including Privacy, Anti‑Money Laundering/Anti‑Terrorist Financing and internal Anti‑Fraud Policy requirements.
• File Unusual Transaction Reports as applicable to fulfill individual employee obligations to detect and deter financial crimes activ...