Mortgage jobs in Canada

Wednesday, February 19, 2025

Date: February 19, 2025

Location: Toronto

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 Agent, Inside Sales 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.

In this role, the Mortgage Agent, Inside Sales will respond to existing client inquiries regarding purchases, refinancing, or other mortgage needs. The Mortgage Agent will act as the client’s point of contact throughout the application process for new mortgage requests.

Core Responsibilities

As the Mortgage Agent, Inside Sales, you will:

1. Respond to client inquiries regarding current mortgage needs in a timely manner that is accordance with agreed upon departmental guidelines.
2. Conduct a client needs analysis and ensure product suitability (Purchase, Refinance, Port, Title Transfer or Assumption) before proceeding with a new application.
3. Action opportunities to sell new mortgages and bridge financing to existing clients; retain existing clients through excellent customer service and finding solutions to current mortgage needs.
4. Package applications and documentation for review by RFA Mortgage Corporation (RFAMC) credit department; Ensure all applications meet or exceed RFAMC lending standards.
5. Escalate files for exceptions where it reasonable to do so.
6. Effectively communicate application decisions (including declines) and closing conditions to clients.
7. Record interactions and details of activities on client file.
8. Work with RFAMC Customer Service and Renewal teams in support of all mortgage retention activities.
9. Maintain knowledge of, and adhere closely to, established corporate mortgage policies, procedures and processes to produce high quality files that comply with current standards and regulations.
10. Provide feedback to management to help identify enhancements that can improve overall retention.
11. Assist team members with problem resolution by providing and sharing information and experiences.
12. Attend meetings and training seminars as required.

What You’ll Need to Succeed

1. Highly motivated and customer focused
2. Developed professional sales, negotiation, and relationship management skills
3. Demonstrate ethical behaviour and conduct at all times
4. Excellent verbal and written communication skills
5. Strong organizational and time management skills
6. Ability to establish and maintain strong internal and external relationships
7. Ability to handle high volumes and tight turnaround times

What Sets You Apart

1. Minimum of 2 years’ experience with residential mortgages
2. Experience across various areas of residential mortgage sales, administration and/or servicing is an asset.
3. Currently licensed as a Mortgage Agent in Ontario
4. Previous experience as a mortgage agent or broker
5. Working knowledge of the principles of credit analysis and risk management
6. Pleasant and professional telephone manner and attitude
7. Residential or commercial underwriting experience is an asset
8. Working knowledge of mortgage products and mortgage application structuring
9. Ability to understand financial statements and assess financial viability
10. Working knowledge of mortgage administration processes and documentation
11. General knowledge of real estate, mortgage legislation and land title systems
12. Working knowledge of PC and MS Office software in a Windows environment

What We Offer at RFA

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

1. Vision Care
2. RRSP Match
3. Health & Wellness Spend
4. Vacation & Personal Days
5. 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.

145 King St W, Toronto, ON M5H 1J8, Canada