Mortgage Fulfillment Specialist, Prime - Toronto - RFA Mortgage Corporation

Date: April 2, 2025
Location: Toronto, ON
Company: RFA Mortgage Corporation
Job Type: Permanent

About RFA
Founded in 1996, RFA (Realty Financial Advisors) is a leading Canadian-owned real estate firm. Through RFA Bank of Canada and RFA Mortgage Corporation, RFA offers mortgage brokers a complete range of Prime and Alternative mortgage solutions.

The Opportunity
We’re looking to fill a Mortgage Fulfillment Specialist position at RFA Mortgage Corporation!

RFA Mortgage Corporation, a division of RFA (Realty Financial Advisors), specializes in Prime lending (Insured, Insurable and Uninsurable). Our goal is to be a long-term leader in the residential lending market by offering more than just competitive rates and compensation. At RFA Mortgage Corporation, we focus on delivering a unique value proposition in the Prime mortgage space, committed to innovation and exceptional service to meet a diverse range of borrower needs.

The successful candidates will review, process, and approve mortgage applications in a timely and effective manner resulting in the achievement of RFA Mortgage Corporations overall residential mortgage underwriting policy and applicable guidelines.

Reporting to a Credit Manager, the Fulfillment Specialist supports the underwriting and credit decision process by reviewing all required documentation in adherence to RFA’s Residential Mortgage Underwriting Policy and applying sound due diligence.

Core Responsibilities

Operations:

• Review and verification of the required underwriting documentation with a strong emphasis on knowledge of income, down payment and property documentation. The incumbent will ensure that documentation adheres to corporate guidelines and is thoroughly verified for accuracy with strong file notation.
• Working closely with mortgage underwriters and mortgage funders to identify and address inconsistencies when reviewing documentation against mortgage application.
• Complete employment verifications with sound due diligence.
• Correct data entry errors based on documentation and information received during the file review.
• Responsible for escalating any inaccuracies, issues, or items that are incomplete or potentially present risk to the Company. Any documentation issues are to be managed according to Company guidelines which can include escalating to the underwriter or management for sign off.
• Have a keen sense of fraud awareness to protect the business from financial loss, reputational risk and compliance risk.
• Communicate with internal contacts (management, underwriters and funders) to ensure transactions are processed in a timely and efficient manner in order to meet deadlines.
• Solution oriented individual who can operate in a high-paced work environment.
• Send completed files to Quality Control and Funding in a timely manner for review while maintaining strong compliance results on monthly audits.
• Keep up to date with corporate guidelines, policies and procedures.
• Working in alignment with corporate objectives and risk tolerances.

Regulatory & Compliance:

• Complete all regulatory and compliance and risk management training.
• Comply with requirements as set by the Compliance function and external regulatory bodies in all instances.
• Act in accordance with the company’s Board-approved risk appetite and tolerance for risk in all instances.
• Ensure Anti Money Laundering and Know Your Client legislation is adhered to on all files.

Customer/Stakeholder Interaction:

• Positive and enthusiastic attitude.
• Strong interpersonal and communication skills through both email and on the phone.
• Work well in a team and have confidence dealing with people and addressing issues. The ability to quickly access and make accurate decisions.
• Management may require additional duties or projects to support the team, stakeholders and vendors.

What you'll Need to Succeed:

• Previous experience with mortgage products, specifically in relation to documentation review, customer service, administration processes, funding, and legal documentation is an asset.
• General knowledge of basic accounting principles would be helpful.

What Sets You Apart?

• Concise attention to detail and the tenacity to complete the task properly.
• Strong computer skills, including a high level of proficiency with Microsoft Office and Excel products and the ability to learn new systems quickly.
• Excellent interpersonal, communication and customer service skills.
• Manage multiple priorities while maintaining a high level of quality on all deliverables.

What We Offer at RFA:

Along with a strong work culture, RFA offers a comprehensive benefits package, including:

• Vision Care
• RRSP Match
• Vacation & Personal Days
• Hybrid working environment

Ready to take the next step?
If this opportunity excites you and aligns with your skills and aspirations, we’d love to hear about how you can contribute to our team at RFA.

Accessibility:
Accommodation is available upon request for applicants and employees with disabilities. If you are contacted for a job opportunity, please advise us of any accommodations needed to ensure you have access to a fair and equitable process. Any information received relating to accommodation will be addressed confidentially.