**WHO WE ARE**

HomeEquity Bank is a Schedule 1 Canadian chartered bank and the leading national provider of reverse mortgages, dedicated to serving homeowners 55 and up. We’re passionate about helping Canadian homeowners live retirement on their terms with a range of reverse mortgage solutions, including our flagship CHIP Reverse Mortgage™ product.

**OUR VALUES, OUR PASSION**

At HomeEquity Bank, our values drive and inspire our actions with our customers, our partners, and each other:
- Customer-Focused
- Passionate Advocates
- Courage to Act
- Do the Right Thing
- One Team. One Vision
- Think Long-Term
- Ever-Evolving
- Be Exceptional. Inspire Greatness

**POSITION SUMMARY**

Reporting to the Director of Credit, the National Underwriter evaluates residential mortgage applications following the Bank’s credit policies and guidelines. The National Underwriter makes decisions to approve or decline mortgage loan applications and collaborates with various internal (sales, loan documentation, and funding teams) and external (appraisers) partners throughout the evaluation, fulfillment, and funding processes. This role ensures mortgage loans are safe and sound and that HomeEquity Bank’s high standards are adhered to.

**MAJOR ELEMENTS OF THE ROLE**

- Evaluate mortgage applications, verify supporting documentation, and ensure accuracy of information in the Bank’s loan system.
- Provide decisions on applications or refer applications to management for approval.
- Document clear and complete decision notes and conditions of approved applications.
- Establish and maintain collaborative relationships with internal and external partners.
- Interact with internal business partners for collection and follow-up of all required documents.
- Review and verify accuracy of all required documents in compliance with internal policies.
- Adhere to service level agreements and escalate suspicious transactions as necessary.

**SKILLS AND EXPERIENCE REQUIRED**

- University Degree or Community College Diploma
- Minimum 3+ years of underwriting experience from personal lending at a Canadian financial institution
- Ideally, 3+ years of residential mortgage underwriting experience
- Excellent problem-solving and analytical skills
- Exceptional attention to detail
- Strong verbal and written communication skills (bilingual in French and English for applicable roles)
- Ability to work independently and as part of a team
- Well-organized with effective time management skills
- Proficient in Microsoft Office (Outlook, Word, Excel)

**WHY WORK AT HOMEEQUITY BANK?**

HomeEquity Bank offers a hybrid working environment supported by a culture of flexibility. We recognize and celebrate performance, community service, teamwork, and diversity among our employees. Our commitment to inclusivity and professional development has been recognized through several awards, including Greater Toronto’s Top Employers 2024 and Canada’s Top Growing Companies.

**GROWTH AND OPPORTUNITIES**

We provide challenging and rewarding careers with professional growth opportunities and on-the-job training. Our Educational Assistance Program reimburses costs related to professional learning and development.

**CELEBRATING GREAT WORK AND PEOPLE**

We foster an environment that celebrates success and professional achievement through various recognition programs.

**THE PERKS**

HomeEquity Bank offers a competitive total rewards package, including:
- Extended health and dental benefits
- Employee & Family Assistance Program
- Employer-Matched Group Retirement Savings Plan
- Well-being initiatives
- Employee corporate discounts

HomeEquity Bank is committed to an inclusive, equitable, and accessible workplace. Accommodations are available upon request for candidates participating in the selection process.

**JOIN US!**

If you’re ready to build the future of reverse mortgages, we want to hear from you. Apply Now.