Mortgage Officer

Who we are:

Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, EdenPark and Fig.

Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending—we offer financial solutions tailored to all Canadians, including newcomers, small-business owners, smart investors and savvy consumers.

Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada’s leading alternative lending bank. ​

Home Trust: Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people. 

Join Home Trust as a Mortgage Officer and be part of our talented and growing team! 

About the role:

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 will drive quality through accuracy and efficiency while ensuring required service levels are achieved.

 In addition:

• Reviews mortgage files and ensures client documentation, including but not limited to income, (job letter verification and bank statement analysis), down payment and client interviews, meet all Company lending policies and guidelines and are accurate and complete

• Takes ownership of approved file, analyzes data and is responsible for updating internal records to match received documentation while verifying the file metrics remain within Company guidelines. Notes any 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 and service-oriented environment

• Collaborates with the Funding team to ensure timely closings

• Is the main point of contact for Mortgage Brokers (previously the Underwriters were responsible for this) 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 accordingly

• Collects and reviews documentation supplied by client and broker to ensure its authenticity and compliance with all aspects of Home Trust Company’s policies and guidelines per delegated authority matrices and applicable compliance obligations including Underwriting Policies and Lending Guidelines, Privacy, Anti-Money Laundering/ Anti-Terrorist Financing, and internal Anti-Fraud Policy requirements

What we’re looking for:

• Authorized to work in Canada 

• Great communication skills 

• Post-secondary degree or diploma, preferably in business management, finance, or related field (university an asset)  

• 2 years in administrative environment preferable within mortgage industry an asset

What you’ll love about working here:

• Award-Winning Culture: We’re proud to be recognized as a Great Place to Work Canada 2025 and one of Montreal’s Top Employers 2025 by Canada’s Top 100 Employers.

• Work-Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.

• Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well-being.

• Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance.

  Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue.

• Future-Ready Savings: Group Retirement Savings Plan with up to 7% employer match

• Exclusive Perks: Discounts from top retailers via WorkPerks, plus location-based perks like gym memberships and Toronto Bike Share.

• On-Site Fitness: Gym access at our London and Montreal offices.

• Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development

• Family Support: Parental leave top-up program to help you during life’s big moments.

• Community Impact: One paid volunteer day to give back to causes that matter to you.

• For more information on who we are as an employer click here.

What you can expect - pay & process:

• Expected base salary range is $50,000 - $65,000 per year, plus the opportunity to earn an annual incentive bonus tied to performance.   

• This posting is for an existing vacancy within our organization.

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

• All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire. 

If what you read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for first stages of the interview process.

Learn more: https://www.fairstone.ca/en/about/canadian-lender

Follow us on LinkedIn: https://www.linkedin.com/company/fairstone/mycompany/

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

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.

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