Job Description

While we welcome all applicants, please note that this job is located in Port Hope Ontario.

We are not offering a relocation package. We will prioritize candidates who reside in or near Port Hope, Ontario

Resolution Staffing Inc , working in partnership with our client in Port Hope is seeking a full time permanent, experienced Loan Officer/Retail Lending to join their dynamic team. This is more than a job — it's a career opportunity with a respected financial institution that invests in its people. The successful candidate will enjoy a lucrative, full-spectrum compensation package that includes not only a strong base salary, but also comprehensive benefits, RRSP contributions, and exclusive employee perks .

In this role, you will have the desire and the ability to provide an exceptional and consistently positive experience to their members, applicants and brokers. This role provides an excellent opportunity to build on and expand your underwriting experience and work directly with the members you are helping in a collaborative banking environment.

This role is for you if:

You are driven to understand member unique needs and find personalized solutions, developing strong and abiding member relationships and member confidence. You are committed to member financial education to ensure members make sound borrowing decisions and manage credit appropriately to maximize credit worthiness.

Key Work Activities:

Reporting to the Manager of Lending, you will underwrite and support the department with a variety of retail lending products and services.

• Qualify all loan and mortgage opportunities by conducting member interviews, analyzing relevant financial information, verifying loan application information, and investigating other considerations affecting loan viability.
• Recommend mortgages, consumer loans and other loans such as lines of credit and overdrafts for approval/decline to the Manager of Lending.
• Review Personal and Home Equity Lines of Credit.
• Provide individualized financial advice (e.g., on debt consolidations) and information to members on loan services and deposit products offered.
• Conduct credit investigations (credit bureau), security inspections and searches as required; prepare releases of security on paid out loans; interpret loan reports and identify further action required to address problem areas.
• Identify member needs and promote / cross-sell lending and deposit products and services.
• Respond to personal lending requests.

Maintain strict adherence to operating procedures, lending policies and procedures within assigned authorities and responsibilities.

Qualifications:

• Three or more (3+) years of experience in loan and mortgage underwriting in a credit union or chartered bank.
• A desire to provide an exceptional experience for members.
• Accuracy in performing loan-related calculations.
• Problem solving aptitude.
• The ability to evaluate and analyze documentation to ensure appropriate due diligence and risk assessments are conducted.
• Strong knowledge of retail lending products and documentation requirements.
• Intermediate Excel and Word skills, proficiency with computers and are comfortable working in banking systems.
• Comprehensive analysis of borrower requirements and qualifications.
• Knowledge of how to read any credit bureau in detail to look for potential red flags.
• Ability to communicate and respond to member requests appropriately. Knowing how to say no.
• The ability to stay calm, professional, and firm in difficult conversations.
• Time management, planning and prioritization abilities.
• Good judgement and decision-making skills regarding people and situations.
• Stress tolerance and change adaptability.

This position offers the opportunity to grow and take on additional responsibilities based on your ability and career goals. This position is a straight day shift, Monday to Friday. No weekends. Our client offers a competitive compensation with 100 percent paid benefits, and health spending account, plus other amazing perks and benefits. This is an amazing opportunity in a non-competitive, friendly work environment.

Job Types: Full-time, Permanent

Pay: From $55,000.00 per year

Benefits:

• Company events
• Company pension
• Dental care
• Extended health care
• Vision care
• Wellness program

Schedule:

• 8 hour shift
• Day shift
• Monday to Friday

Application question(s):

• Must have Comprehensive analysis of borrower requirements and qualifications
• Must have 3 plus years experience in loan and mortgage underwriting to be considered for this role.
• Are you within 60 Km of Port Hope?

Education:

• DCS / DEC (preferred)

Location:

• Port Hope, ON (preferred)

Work Location: In person

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