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Careers

Our continued success depends on our people.

At Community Trust, you’ll discover a workplace that’s built to support you and the growth of your career. A fast-paced, growing, niche financial institution, we offer a collegial and friendly environment – one that promotes collaboration throughout the organization. We take pride in the foundation of our diverse culture, which is deeply rooted in core values that reflect a commitment to each other and the people we serve. Guided by a well-respected leadership team, Community Trust takes pride in being a flexible alternative to larger, traditional financial institutions since 1975.

When you join Community Trust, you’re joining a Company that takes pride in showing its employees that their expertise is valued. We work as a team, so you’ll be sure to have a group of like-minded co-workers who will be right there to help, challenge and motivate you. You will be encouraged to share your great ideas while discovering opportunities for self-development and continuous learning.

Our Merit

Our team is committed to keeping employees engaged, inspired, driven and appreciated. But don’t just take our word for it. Check out what other people think Community Trust is doing well:

Canada’s Best Employer for Recent Graduates

Canada’s Top Small & Medium Employers

Current Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Business Development Manager
Position description

MANDATE:

Reporting to the Director, National Sales, the Business Development Manager is responsible for developing new business opportunities, supporting assigned Accounts and achieving stated goals and objectives in support of the Residential Lending department. This role will be responsible for successfully contributing to the overall portfolio growth and maximizing profitability in an entrepreneurial environment focused on service and operational excellence. This role is results driven, competitive and exemplifies the spirit of a team player.

ACCOUNTIBILITIES:

  • Develop and execute effective business development strategies and successfully contribute to the department’s business plan.
  • Develop sales strategies to increase market share, analyze opportunities and create plans to maintain continuity, and achieve growth and sales objectives.
  • Collaborate with the Investment Services BDM to leverage and maximize cross-departmental sales opportunities.
  • Partner with Residential Lending Operations team to support and service partners within assigned territories.
  • Generate a target list of potential broker and partner relationships, developing customized strategies to successfully translate the leads into net new business.
  • Develop and foster broker and partner relationships while always maintaining the highest level of professionalism and service standards.
  • Balance strong problem solving and decision-making abilities while meeting performance targets and maintaining effective internal and external relationships.
  • Maintain a strong sales funnel with focus on activity to ensure continuous sales and growth goals are met.
  • Track, analyze and report key pipeline, opportunity, forecast and sales productivity metrics.
  • Prepare a variety of reports (including visit summaries, closings, competition offerings and goals vs results).
  • Actively participate in business development events, tradeshows and presentations as required.
  • Identify and research new product and service opportunities that complement existing and align with the company’s strategic objectives.
  • Together with the Marketing and Brand Management team, participate in the update of existing and creation of new broker communications including collateral materials, email content and innovative promotions.
  • Maintain up-to-date knowledge of the competition, industry trends and market conditions.
  • Ensure accurate record keeping – both electronic and paper based and ensure that all records are stored and retained to meet Company standards.
  • Identify continuous improvement opportunities.
  • Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

KNOWLEDGE & SKILLS:

  • Minimum of 5 years’ experience in the full sales cycle process.
  • Minimum of 2 years related experience in alternative lending.
  • Post-Secondary Education preferred.
  • Proven track record in meeting and exceeding established sales targets.
  • Excellent presentation skills.
  •  Superior interpersonal and relationship building skills.
  • Solid understanding of the characteristics, attributes and risk factors associated with various loan types.
  • Strong knowledge of Microsoft applications (including Word, Excel and Power Point) and familiarity with the internet and related applications as tools for conducting research.
  • Demonstrates strong negotiation, planning, organizational and time management skills
  • Solid written and verbal business communication skills.
  • Capable of handling multiple tasks and meeting stringent deadlines.
  • Tactful, diplomatic and politely persistent.
  • Results oriented and a high achiever.
  • Reliable, consistent and disciplined.
  • Highest level of integrity.
  • Self-motivated, confident and capable of working both independently and in a team environment.
  • Bring a positive, can-do attitude to our organization, using creative solutions to solve problems.
  • Establish and build on healthy working relationships with your team and peers.

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We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Business Reporting Analyst
Position description

MANDATE:

Reporting to the Director, Finance, the Business Reporting Analyst is an integral role in collection and analysis of data for management reporting; creating templates and financial models for business planning and budgeting; assisting with financial statement preparation; and maintaining detailed documentation around processes.

 

The Business Reporting Analyst will have an expert working knowledge of MS Excel, MS Access, and SQL to re-shape data collection and analysis.

ACCOUNTABILITIES:

Reporting & Analysis

  • Produce monthly and quarterly financial statements, business unit statements, and variance analysis in an accurate and timely manner.
  • Enhance variance analysis by working directly with business units and identifying key trends, building reconciliations, and explaining rationale for movement against goals and previous periods.
  • Build reconciliations for monthly deliverables to highlight reporting inaccuracy and areas for improvement.
  • Support development of annual budget and roll forward of quarterly forecasts.

Reporting Enhancements

  • Gather relevant data from respective business units and document business requirements.
  • Analyze key performance indicators and critical success factors with a view to integrate with weekly, monthly and quarterly reporting for senior-level executives and Board members.
  • Perform portfolio metrics data analysis for various business units and integrate with trend analysis.
  • Perform data analysis and ensure data quality and accuracy by building checks and reconciliations.
  • Utilize BI tools for creation of reports, scorecards, dashboards and other solutions (MS Excel, MS Access, Prospector, Portfolio Plus, etc.).
  • Create financial models for competitor analysis.
  • Work closely with Treasury to integrate spread analysis into financial reporting.

Database Creation

  • Create and maintain finance and operational metrics database which will be used to support management reporting and ad- hoc projects.
  • Document development and usage of database.
  • Work across business units to refine database and create customized reports.

Automation

  • Identify and implement ways to automate recurring reports and gradually phase out the use of manual reports.

Production Reporting Support

  • Troubleshoot and facilitate solutions to reporting issues.
  • Provide technical guidance and knowledge transfer to others in areas of acquired expertise.
  • Serve as a liaison and collaborate with operations, IT and other internal customers.

 

KNOWLEDGE & SKILLS:

  • Post-secondary education in Business Administration, Accounting and Finance, Commerce or a related field.
  • Expert MS Excel skills (VLOOKUP, MATCH, INDEX, PIVOT tables and charts, VBA editing, etc.) and Advance MS Access skills (create relational databases, generate automated reporting, adding controls and forms, linking to other MS applications, etc.).
  • Proficient with MS Word and PowerPoint.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Copywriter
Position description

MANDATE

Working as a member of a small, full-service marketing team, the Copywriter will work in a fast-paced and demanding environment. The Copywriter will assist in the development and implementation of the Company’s marketing communications initiatives across various platforms including print, digital, events, social media, and web.

ACCOUNTABILITIES:

  • Working closely with the Marketing team members and various business partners to gain a full understanding of the content needs.
  • Receiving and interpreting project briefs to develop and execute creative content.
  • Writing and editing clear and concise marketing communications materials across a wide variety of channels, including print, digital, web, email, events, sales support, social media, blogs, editorial, presentations, video, forms, and letters.
  • Driving the creation of original concepts that result in effective and compelling communications, leveraging research and other insights wherever applicable.
  • Developing and maintaining a clear and consistent brand voice across all touchpoints.
  • Proofreading and QA testing of materials for brand voice, accuracy, consistency, spelling, grammar, punctuation, syntax, usage, formatting, etc.
  • Revising copy based on feedback/direction.

KNOWLEDGE & SKILLS:

  • Post-secondary education required.
  • 3-5 years’ experience with copywriting in a marketing environment, either agency side or client side.
  • Knowledge of financial services industry preferred.
  • Adept in and adaptable to a variety of writing techniques, including creative, conceptual, product, technical and educational.
  • Proven experience of writing for a broad range of audiences, including B2B, B2C, internal, corporate and investors.
  • Solid understanding of Search Engine Optimization and other digital strategies.
  • Proficiency with social media channels as they relate to brand and customer communication.
  • Knowledge of Adobe Creative Cloud, especially Photoshop, Illustrator and InDesign, as well as other Google Workspace products.
  • Exceptional attention to detail.
  • Excellent interpersonal and presentation skills.
  • Good organizational and time-management skills.
  • Ability to work with internal and external partners in a professional manner.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers. 

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Client Servicing Specialist
Position description

Reporting to the Manager, Lending Services, the Client Servicing Specialist (“CSS”) is responsible for managing new and existing

partner and client relationships through being responsive, educated, and attentive to client needs. The CSS will be required to liaise

with the Mortgage Servicing Department to ensure that client needs are met with timely turnaround and effective resolution

management. As champions of customer service excellence, the CSS will impact and contribute to enhancing the experience with

each client encounter, thus contributing to the overall success of the department.

ACCOUNTABILITIES:

  • Provide exceptional service to partners and customers with respect to inquiries and responses concerning Residential mortgage accounts.
  • Communicate professionally and effectively, both verbally and written with partners and clients regarding Residential mortgage accounts.
  • Be fluent and knowledgeable with all accounts including cross-selling opportunities.
  • Collect and provide effective hand-off for all documents required to complete administrative requirements.
  • Respond to and/or investigate all internal and external client inquiries within the department service standards.
  • Respond to all inbound calls to the Lending Sales and Services Department within the established service standards.
  • Monitor and action emails into the department’s email box within the established service standards.
  • Process and deliver communications including, but not limited to, statement of accounts, and billing statements.
  • Responsible for organizing and maintaining all electronic mortgage files.
  • Provide support and/or recommendations for process improvements to Managers, as appropriate.
  • Follow all AML policies and procedures with client accounts with an emphasis on “Know Your Client” rules.
  • Comply with policies regarding the privacy of information.
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conduct appropriate inquiries and investigations in relation to any such situation and ensure that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

KNOWLEDGE & SKILLS:

  • Post-secondary education preferred.
  • Proven track record of exceptional customer service capabilities.
  • Demonstrates effective organizational and time management skills.
  • Demonstrates strong interpersonal and relationship building skills.
  • Solid written and verbal business communication skills.
  • Strong analytical skills.
  • Detail oriented with an acute attention to accuracy

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers. 

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Credit Quality Assurance Specialist
Position description

The Credit Quality Assurance Specialist is responsible for reviewing residential mortgages either in advance of funding or at maturity to confirm that the loans are assessed in a manner that is consistent with compliance, risk and credit management by ensuring full adherence to CTC’s policies, procedures, default insurer and regulatory requirements. This role will also participate in reviewing and approving residential mortgages for the bulk purchase and loan sale programs. The Credit Quality Assurance Specialist will foster an environment of support and guidance while maintaining oversight of the approval processes in an environment focused on operational and service excellence.

ACCOUNTABILITIES:

  • Foster a resilient workplace and culture that is aligned with the company’s core values of trust, integrity, collaboration and responsiveness.
  • Maintain a comprehensive understanding of CTC’s policies, procedures and regulatory requirements.
  • Maintain effective compliance, risk management and risk controls in the residential mortgages business portfolio, either in advance of funding or at maturity, by exercising consistent, objective and sound credit reviews in accordance with risk appetites, policies and procedures.
  • Ensure KYC, AML and EDD procedures and documentation are fully compliant.
  • Ensure approval decisions are in accordance with sound credit-granting principles and within designated lending limits.
  • Provide the tools, support and guidance that the underwriters and mortgage officers need to be successful.
  • Commit to the timely completion of file reviews in support of superior customer engagement to both borrowers and brokers.
  • Maintain key internal relationships with Residential Lending, Mortgage Retention, Credit Risk and Compliance.
  • Review appraisals to confirm the report meets policy standards.
  • Confirm that the property is suitable security for the loan under consideration.
  • Ensure notes adequately explain the basis of the lending recommendation.
  • Confirm accuracy of data inputs including loan types, security codes, exceptions and risk gradings.
  • Review mortgages in support of the bulk purchase and loan sale programs.
  • Review existing mortgages prior to maturity.
  • Provide constructive quality assurance and performance tracking statistics.
  • Identify policy and procedures gaps or updates.
  • Continuously identify best practice opportunities such as process improvements, policy & procedure changes, elimination of redundancies, system changes and/or reporting needs.
  • Participate in or lead various projects in support of business plan and/or best practice plan initiatives.

KNOWLEDGE & SKILLS:

  • Minimum 5+ years combined experience in an underwriting or credit manager role within a regulated, residential alternative lending environment.
  • Thorough knowledge of residential mortgage underwriting practices including property valuation reviews, income documentation requirements and supporting operational processes.
  • Solid understanding of the characteristics, attributes and risk factors associated with various loan types.
  • Strong working knowledge of KYC and AML/ATF required.
  • Sound analytical thinking, planning, prioritizing, and executing skills.
  • Experience in report preparation and presentation using Microsoft office applications.
  • Ability to work under pressure through fluctuating volume periods.
  • A well-defined sense of diplomacy, including solid negotiation and conflict resolution skills.
  • Exceptional interpersonal skills and relationship building skills.
  • Excellent written and verbal communication skills.
  • Strong organizational and time management skills.
  • Exceptional attention to detail and able to complete tasks with a high degree of accuracy.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers. 

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Credit Risk Analyst
Position description

MANDATE:

Reporting to the Manager, Credit Risk, the Credit Risk Analyst will participate in all aspects of conducting a Quality Control (QC) program for residential mortgages. The primary goal of the QC program is to confirm that the loans are underwritten in a manner that is consistent with the policies and procedures approved by the VPMO and the Board of Directors. The CRA is responsible for identifying loans that are not written in compliance with OSFI Guideline B20 and related best business practices. The successful candidate will have proven abilities at the expert level in data analytical skills enabling them to identify emerging key risk indicators in funded loans The Credit Risk Analyst will develop and maintain a constructive relationship with the Residential Lending department to foster an environment of support and guidance while providing independent reporting as to the quality of the loans advanced.

ACCOUNTABILITIES:

Residential Mortgage Quality Control Reviews and Reporting

  • Complete monthly post funding QC reviews of residential loans funded and renewed in preceding month in accordance with written QC procedures
  • Provide written results of the QC to the Credit Managers, underwriters, mortgage officers and lending Managers on a monthly basis.
  • Evaluate loan data at the portfolio level to select loans to review from a risk-based approach.
  • Confirm accuracy of data inputs including loan types and security codes.
  • Oversee file remediation as required resulting from QC reviews
  • Recommend revisions to QC protocols as required
  • Assist in completing Bulk Purchase and Bulk sales QC reviews
  • Track all policy exceptions
  • Provide underwriters with ongoing guidance as to best practice approach in adhering to written procedures
  • Document/update procedures in the Independent Credit Procedure Manual.

Service provider monitoring

  • Maintain the Approved Service Providers Lists, Residential Lending for Mortgage Brokers and for Appraisers.
  • Manage the SP monitoring and DNU reports.
  • Conduct monitoring on providers names to the above lists

Best Business Practices

  • Develop a comprehensive understanding of CTC lending policies and regulatory requirements.
  • Assist in developing and delivering training tools and resources for the residential underwriting teams.
  • Recommend policy and procedure changes in keeping with best business practices in a regulatory environment.
  • Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
  • Actively adhere to all AML/ATF and KYC regulatory requirements
  • Pro-actively identify actual and potential violations of, any internal policies and procedures.
  • Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

KNOWLEDGE & SKILLS:

  • Minimum 5+ years’ experience in a Quality Control capacity within a residential mortgage lending environment
  • Strong demonstrated analytical and logical thinking
  • Thorough knowledge of residential mortgage underwriting practices including Guideline B20, income documentation standards and supporting operational processes
  • Experience in risk management including portfolio monitoring and reporting
  • Strong working knowledge of KYC and AML/ATF required
  • Experience in report preparation and presentation using G Suite and Microsoft office applications
  • Ability to multitask and to work under pressure
  • Exceptional interpersonal skills
  • Excellent written and verbal communication skills
  • Strong organizational and time management skills
  • Exceptional attention to detail

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Digital Specialist
Position description

MANDATE:

Working as a member of a small, full-service marketing team, the Digital Specialist will work in a fast-paced and demanding environment. The Digital Specialist will assist in the development and implementation of the Company’s digital marketing activities, communications, and initiatives across various platforms.

ACCOUNTABILITIES:

  • Working closely with the Marketing team members and various business partners to gain a full understanding of the digital needs.
  • Receiving and interpreting project briefs to design, develop and manage a range of digital communications including regular emails, newsletters, event invites, web pages, landing pages, digital banners, video content, etc.
  • Owning and maintaining data, distribution lists, testing, tracking, analytics, metrics, and campaign reporting, and presenting recommendations to various business partners.
  • Leading all digital activities and initiatives on behalf of the Marketing team, as well as building strong working relationships with our counterparts at Questrade Financial Group.
  • Managing relationships with digital solutions and vendors in regards to selection, budgeting, and quality control.
  • Maintaining a clear and consistent brand identity across all touchpoints.

KNOWLEDGE & SKILLS:

  • Post-secondary education required.
  • 3-5 years’ hands-on experience with digital products and solutions in a marketing context, either agency side or client-side.
  • Knowledge of the financial services industry preferred.
  • Expert proficiency with a wide range of digital platforms, especially Pardot, Salesforce, WordPress, Qualtrics, Eventbrite, Adobe Creative Cloud, Google Analytics, and Google Workspace applications.
  • Proven experience in marketing automation, HTML, SEO, SEM, UX/UI design, animation, video editing, etc.
  • Highly adept in data management, as well as testing, tracking, and analysis.
  • Strong background in delivering digital solutions for a broad range of audiences, including B2B, B2C, internal, corporate, and investors.
  • Curious and innovative nature, with exceptional attention to detail.
  • Excellent interpersonal and presentation skills.
  • Good organizational and time-management skills.
  • Ability to work with internal and external partners in a professional manner.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Director, Financial Reporting
Position description

*A flexible work environment with the ability to work from home or in the office*

MANDATE:

The Director, Financial Reporting leads the overall financial reporting function. A key area of this role is ensuring consistency of regulatory reporting, investor reporting, corporate and business unit reporting, liquidity, and risk reporting, which includes coordination between Risk Management, and Treasury.

The Director provides financial leadership and strategic business support to all senior leaders in the business. In addition to leading the annual budgeting and monthly forecasting process and ensures accuracy of regulatory reporting. The Director will work closely with all Senior Executives and provide close support to the Chief Financial Officer in implementing the finance action plan. On a quarterly basis, the Director may present the financial performance of the company to the Audit Committee and Board of Directors, as required.

ACCOUNTABILITIES:

Reporting

Regulatory Reporting:

  • Responsible for overall regulatory reporting (OSFI, CDIC and other banking) including ongoing improvements and alignment with regulatory changes.
  • Participate in ad hoc projects as required, e.g., researching Basel 3 requirements, automating processes, and/or reengineering reporting activities.
  • Manage and/or prepare select local regulatory reports.
  • Responsible for maintenance of procedure manuals for the reporting function.
  • Lead development of analytical tools and processes to improve the quality and transparency of reporting and facilitate ad hoc reporting;
  • Proactively responding to changes in the regulatory environment.

Management and Investor reporting:

  • Oversee the preparation of financial reporting on a monthly, quarterly, and annual basis.
  • Preparation of the quarterly MD&A and Board presentations.
  • Analyze and report actual results compared to budget and forecast estimates, reviewing appropriate variance explanations, bridge analyses, and key financial metrics as part of the month-end and quarter-end packages
  • Ensure that the monthly ALCO, Credit Admin and Risk packages contain consistent information; recommending and supporting the implementation of ongoing improvements.
  • Track business unit information via the generation of Business Unit Statements and dashboards.
  • Supporting the external valuation firm to complete the company valuation including preparing and compiling schedules and reports to support the valuation.
  • Development of competitor database to conduct in-depth Peer Review analysis on a quarterly and annual basis.
  • Oversee compliance with payment, reporting, and other regulatory requirements;

 

Securitization reporting:

  • Ensuring Securitization Program in line with up-to-date accounting pronouncements, specifically as CTC issues NHA MBS into the CMB Program.
  • Additional responsibilities as assigned from time to time.

Budgeting, Planning, and forecasting

  • Ad Hoc Strategic Analysis as required by the CFO.
  • Provide strategic support to senior leadership including preparation of the financial aspects of the quarterly board packages, leadership meetings, and ad hoc information as required.
  • Assist the CFO with the generation of the Business Plan and ensuring consistency with the Budget Model.
  • Review of monthly and quarterly financial forecasts.
  • Ensure business impact to Capital Ratio are forecasted accurately and keeping abreast of any changes that impact Capital Ratios.
  • Lead project analysis via the generation and assistance in the maintenance of Project Finance Budget to Actual Tracking and reporting.
  • Work closely with the CFO and the business to create and track critical KPIs and metrics to track and monitor overall business performance.
  • Identify business risks and opportunities that arise through the financial modeling process and ensures these are summarized and presented to the Senior Executives regularly.

KNOWLEDGE & SKILLS:

  • Professional designation (CPA-CA, MBA).
  • University graduate, business/accounting specialization.
  • 10+ years of experience working, in a Professional Services office with Financial Institution experience
  • Proficient with Microsoft Windows/ MS Office Applications.
  • Advanced Microsoft Excel skills – experience manipulating and arranging large data sets using Pivot tables, Vlookup, and formulas.
  • Strong business acumen and analytical skills including the ability to conduct quantitative analysis.
  • Attention to detail while being able to step back to consider the impacts on the consolidated entity.
  • Aptitude to work with large amounts of data and to manipulate, arrange and manage it effectively.
  • Ability to recognize issues and take initiative to work on finding an effective solution.
  • Ability to apply critical thinking to business issues and drive results.
  • Ability to work independently as well as in a team setting.
  • Ability to lead the finance function to ensure business objectives and goals are met.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Graphic Designer
Position description

MANDATE:

Working as a member of a small, full-service marketing team, the Graphic Designer will work in a fast-paced and demanding environment. The Graphic Designer will assist in the development and implementation of the Company’s marketing communications initiatives across various platforms including print, digital, events, social media, and web.

ACCOUNTABILITIES:

  • Working closely with the Marketing team members and various business partners to gain a full understanding of the design needs.
  • Receiving and interpreting project briefs to develop, execute and produce creative communications.
  • Art directing, designing, and producing marketing materials across a wide variety of channels, including print, digital, web, email, events, sales support, promotional items, social media, blogs, editorial, presentations, video, forms, and letters.
  • Driving the creation of original concepts that result in effective and compelling communications, leveraging research and other insights wherever applicable.
  • Developing and maintaining a clear and consistent brand visual identity across all touchpoints.
  • Sourcing of images and maintenance of asset libraries.
  • Revising layouts based on feedback/direction.
  • Managing production vendors in relation to selection, cost estimation, and quality control.

KNOWLEDGE & SKILLS:

  • Post-secondary education required.
  • 3-5 years’ experience with design and production in a marketing environment, either agency side or client-side.
  • Knowledge of the financial services industry preferred.
  • Adept in and adaptable to designing for a variety of situations, including creative, conceptual, product, technical and educational.
  • Proven experience in designing for a broad range of audiences, including B2B, B2C, internal, corporate, and investors.
  • Expert proficiency with Adobe Creative Cloud, especially Photoshop, Illustrator, and InDesign, as well as other Google Workspace products.
  • Exceptional attention to detail.
  • Excellent interpersonal and presentation skills.
  • Good organizational and time-management skills.
  • Ability to work with internal and external partners in a professional manner.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Head of Internal Audit
Position description

*A flexible work environment with the ability to work from home or in the office*

MANDATE:

The Head of Internal Audit (“HIA”) is responsible for developing and providing leadership to the Internal Audit team, who, together, provides independent, objective assurance of the effectiveness of, and adherence to QuestBank’s internal control, risk management and governance processes. The role is also responsible for leading the long-term planning and strategy for the overall audit functions including providing strategic direction and leadership to audit staff to achieve excellence in the provision of assurance and advisory services in the context of the nature, size, complexity, and risk profile of QuestBank.

The HIA is responsible for designing audits to assess the effectiveness and efficiency of financial and operational controls, the reliability and accuracy of data and information systems, the adequacy of controls over segregation of duties, safeguarding of corporate assets, corporate governance, and compliance with laws, regulations and contracts. The HIA may provide advice on ways to improve processes.

ACCOUNTABILITIES:

  • The primary accountability of the HIA is to develop, document, and implement an Internal Audit program that meets the essential elements as determined by OSFI in conjunction with OSFI’s supervisory Framework and guidelines.

Planning, Organization and Management

  • Support the development and maintenance of the audit frameworks, methodologies, and processes to ensure alignment with QuestBank’s broader strategies, technology initiatives, and business priorities.
  • Prepare the annual internal audit plan for the FRFIs and define the vision for future internal audit priorities.
  • Oversee internal audits and advisory services related to governance, risk management, and control.
  • Conduct an internal risk assessment, identifying the key risks and potential business impacts, and develop an annual risk-based plan: execute on annual plan to achieve the internal audit objectives and scope.
  • Work closely with the CCO, CRO, and CFO in the development and implementation of the audit program.

Coordination and supervision of operational audits and advisory engagements

  • Partner with the business units to gain an understanding of their objectives, diverse needs, and regulatory environments to help them manage risk and improve the quality of internal controls.
  • Gain exposure to QuestBank products, services, businesses, platforms to become a subject matter expert.
  • Evaluate the design and operating effectiveness of internal controls and provide input and support to the business to drive an effective, consistent control environment organization-wide.
  • Evaluate programs, projects, and initiatives to ascertain whether they are being carried out as planned and identify if the underlying objectives are being achieved and results are consistent with business plans and best practices.
  • Establish and maintain productive relationships with leadership across the organization, instilling trust and building a reputation as a business partner and solutions-provider.
  • Build a high-performing internal audit team with the capabilities and leadership to meet the diverse requirements of the businesses.
  • Assess the effectiveness and efficiency of internal controls, risk management practices, and governance processes in order to draw conclusions to complete the audit programs.
  • Enforces information security and privacy policies and procedures when weaknesses are identified within the business process or activity being audited.
  • Discover patterns, insights, trends, and anomalies from straightforward analyses, data sets, and visualization tools.
  • Develops, documents, and implements policies and procedures with applicable laws and regulations for the review and or approval of the Executive Management Team and the Board.
  • In collaboration with related executive management team members, engage external advisors as necessary to provide expertise in complex business unit processes, functions, and technology.

 

Continuous improvement and innovation

  • Review and adjust the annual audit plan as necessary to meet company needs and changing objectives. Recommend the design and implementation of internal controls. Execute the plan for testing to ensure key controls are designed and operating effectively.
  • Identify and recommend opportunities to enhance controls using technology.
  • Monitor developments in internal audit practices; suggest innovative new tools, methods and techniques and coordinate the corresponding efforts in order to optimize Internal Audit Department activities;

KNOWLEDGE & SKILLS:

  • Minimum 10 years’ experience in the Financial Services Industry
  • Minimum 7 years’ experience in leadership roles audit, internal controls, and/or risk management.
  • Minimum 5 years’ experience managing people
  • University degree in business, finance, economics, or related discipline
  • Proven understanding of auditing principles and techniques, including excellent planning and organization skills and the ability to deal with complex issues.
  • Extensive knowledge of auditing and risk management practices, processes, and principles with the proven ability to effectively implement.
  • Advanced knowledge of relevant legislation, regulatory requirements, and best practices. Keeps apprised of new or amendments to legislation and regulatory requirements.
  • Strong verbal and written communication skills that illustrate the importance of compliance and how best to achieve it in accordance with the business objectives, suitable for Senior Management and Board reporting
  • Strong leadership skills as well as a strong ability to articulate information concisely, capture an audience, influence decisions
  • Excellent interpersonal skills to interact across all functions within the organization, to lead and affect process change and improvements.
  • Strong conceptual and analytical thinking
  • Ability to analyze critical details of business issues and workflow as a basis for suggesting areas for improvement
  • Ability to gather, analyze, organize, document, and present large volumes of information in a succinct and organized manner
  • Ability to see tasks through to completion without significant guidance and exhibit meticulous attention to detail

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Mortgage Default Specialist
Position description

MANDATE:

Reporting to the Manager, Mortgage Servicing, the Mortgage Default Specialist is responsible for initiating Community Trust Company’s (“CTC”) default process for residential and commercial mortgage loans in default and addressing self-directed private and syndicated mortgages in chronic arrears. The Mortgage Default Specialist is responsible for the follow up and collection of all unpaid and/or returned mortgage payments and resolution of all accounts in default. This role is responsible for responding to internal and external client inquiries and contributes to the success of the department achieving their goals while remaining focused on operational excellence, compliance and delivery of superior customer service.

ACCOUNTABILITIES:

  • Initiate the default process starting with the negotiation of payment arrangements and settlements, and ensuring agreements are fulfilled.
  • Recommend appropriate enforcement action to management and/or the Special Handling Committee
  • Responsible for the completion of all specific loans provision analysis, including the recommendation of reserves or provisions.
  • Provide clear direction to property managers for properties in possession, to ensure an expeditious sale.
  • Process any manual ad-hoc mortgage payments in response to collected default payments as required.
  • Reconcile and balance all collected mortgage payments daily.
  • Prepare reporting of loans in default, monitored loans, properties in possession and accounts in chronic arrears due to pending legal action
  • Process all transactions with a high degree of accuracy within the established service level agreement and in accordance with CTC’s corporate and department policies and procedures
  • Respond to and/or investigate all internal and external client inquiries within the department service standards.
  • Maintain accurate electronic record keeping of client accounts in accordance with department procedures.
  • Provide recommendations for process improvements to Manager, Mortgage Servicing as appropriate.
  • Follow all AML policies and procedures with client accounts with an emphasis on “Know Your Client” rules
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conduct appropriate inquiries and investigations in relation to any such situation and ensure that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures
  • Provide support to the Manager, Mortgage Servicing as required.

KNOWLEDGE & SKILLS:

  • Minimum of 2 years related experience in mortgage administration and/or servicing and/or collections within the financial services industry or a related role.
  • Post-Secondary Education preferred.
  • Experienced in Commercial funding, an asset.
  • Working knowledge of financial regulatory requirements on registered products, AML, and Compliance is an asset
  • Demonstrates effective organizational and time management skills.
  • Demonstrates interpersonal and relationship building skills.
  • Solid written and verbal business communication skills.
  • Strong analytical skills.
  • Intermediate knowledge of Microsoft Word, Excel, Power Point and Outlook.
  • Detail oriented with an acute attention to accuracy.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Mortgage Fulfillment Specialist (Toronto)
Position description

*A flexible work environment with the ability to work from home or in the office*

MANDATE:

The Mortgage Fulfillment Specialist is responsible for successfully supporting overall portfolio growth in an environment focused on operational and service excellence. This role is responsible for ensuring documentation relating to mortgage files are reviewed, verified, and completed in compliance with established credit policies, while adhering to service standards. The Mortgage Fulfillment Specialist is empowered to re-decision mortgage applications under a defined lending authority.

 

ACCOUNTABILITIES:

  • Successfully contribute to the Residential Lending results, ensuring growth and profitability targets are being met.
  • Review mortgage documentation to ensure each document is complete and accurate based on Community Trust’s credit policies, procedures, and anti-money laundering requirements.
  • Update mortgage applications to accurately reflect documentation provided and ensure the application continues to meet their lending authority.
  • Manage portfolio risk by exercising consistent, objective and sound credit decisions within authorized limits, escalating with rationale to support recommendation where appropriate.
  • Maintain knowledge of Community Trust residential mortgage underwriting policies, procedures and products.
  • Instruct files to FCT and work together with Residential Funding to ensure timely closings.
  • Communicate with internal contacts to ensure service level standards are met and foster positive relationships.
  • Ensure mortgage statuses are accurate and communicated appropriately.
  • Effectively partner with Mortgage Advisory (Alt-A) to deliver top of class experience to our partners.
  • Work in collaboration with the Credit Quality Assurance and Funding teams to ensure targets are being met.
  • Learn the company’s business practices, organizational structure and general policies and procedures.
  • Ensure accurate record keeping and that all records are stored and retained to meet Company standards.
  • Identify continuous improvement opportunities.
  • Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
  • Proactively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.
  • Effectively manage tasks and cases to adhere to predetermined Service Level Agreements

KNOWLEDGE & SKILLS:

  • Minimum of 2 years related experience
  • Post-Secondary Education preferred
  • Demonstrates interpersonal skills
  • Solid understanding of the general characteristics, attributes and risk factors associated with various loan types.
  • Working knowledge of Google Workspace applications.
  • Solid written and verbal business communication skills.
  • Exceptional analytical skills and a keen eye for detail.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Mortgage Retention Specialist
Position description

*A flexible work environment with the ability to work from home or in the office*

MANDATE:

Reporting to the Manager, Mortgage Retention, the Mortgage Retention Specialist is responsible for managing and completing all aspects of residential mortgage retention and reducing payouts for Ontario and Western Canada. This role is responsible for maximizing revenue opportunities and successfully contributing to the overall retention targets in an environment focused on operational and service excellence.

ACCOUNTABILITIES:

  • Responsible for maintaining key relationships and providing best in class service to all internal and external customers, 3rd parties, brokers, solicitors, investors, and partners.
  • Responsible for assisting with the completion of residential mortgage retention activities negotiating with borrowers, maximizing revenue opportunities, and successfully contributing to the overall retention targets.
  • Handle all inquiries for mortgage information statements, conducting mortgage file reviews when necessary.
  • Review mortgage files where a breach of covenant has been identified and recommend course of action.
  • Contact customers in response to payout requests in an attempt to retain the mortgage.
  • Manage, compile and organize application information for direct customer mortgage loans in accordance with policy and procedures to create a complete package for credit approval.
  • Conduct regular follow-ups with mortgage customers to collect outstanding documentation needed to satisfy the requirements as stipulated in the commitment.
  • Issue mortgage commitments for direct customer loans with appropriate conditions and follow up for sign back.
  • Instruct files to FCT and work together with Residential Funding to ensure timely closings.
  • Responsible for responding to inquiries in a timely manner, actively contacting existing customers, build relationships, promote longer terms and identify cross-selling opportunities.
  • Maintain up to date knowledge of competitors and market conditions.
  • Identify and recommend process improvement initiatives and opportunities.
  • Responsible for testing and assessing new enhancements.
  • Prepare timely reports for review.
  • Ensure accurate record keeping – both electronic and paper based and ensure that all records are stored and retained to meet Company standards.
  • Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
  • Proactively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.

KNOWLEDGE & SKILLS:

  • Minimum of 2 years’ experience in customer service within the mortgage industry.
  • Experience with residential retention or underwriting is preferred.
  • Experience across various areas of residential mortgage administration and/or servicing is an asset.
  • Post-Secondary Education is preferred.
  • Demonstrates strong, sound negotiation and sales skills.
  • Demonstrates interpersonal and relationship-building skills.
  • Demonstrates effective organizational and time management skills.
  • Solid written and verbal business communication skills.
  • Working knowledge of Google Workspace
  • Sound analytical thinking, planning, prioritization, and execution skills.
  • Detail-oriented with an acute attention to accuracy.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Registered Account Administrator
Position Description

MANDATE:

This role is responsible for the daily administration of registered accounts including RRSP, RRIF, TFSA, RDSP, and Locked – In products, consistent with Community Trust Company’s policies and procedures. This role is responsible for responding to internal and external client inquiries, provides support to the Team Leader, Investment Services, and contributes to the overall department targets while remaining focused on operational excellence and delivery of superior customer service engagement. This role reports directly to the Manager, Administration, Investment Services and administratively to the Team Leader, Investment Services.

 

ACCOUNTABILITIES:

  • Provide exceptional customer service with the opening and ongoing administration of CTC’s Classic and Self-Directed registered accounts, including on-line account access/service
  • Review of all documents received for accuracy and completeness prior to processing
  • Process all client requested financial and non-financial transactions in accordance with CTC’s corporate and department policies and procedures
  • Respond to and/or investigate all internal and external client inquiries within the department service standards
  • Effectively on-board new Agents/Brokers/Partners including Mortgage Investment Corporations, Mutual Fund Trusts, & Small Businesses in accordance with department policies and procedures
  •  Process and deliver client communications including welcome letters, statement of accounts, etc. for all registered investment products
  • Contribute to effective and accurate client reporting through the issuing of official Tax forms and reconciliation of withholding taxes
  • Maintain accurate electronic recordkeeping of client accounts in accordance with department procedures
  • Provide support to Team Leader and Manager as required
  • Provide recommendations for process improvements to Team Leader and/or Manager as appropriate
  • Follow all AML policies and procedures with client accounts with an emphasis on “Know Your Client” rules
  • Comply with CTC’s policies regarding the privacy of client information
  • Pro-actively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conduct appropriate inquiries and investigations in relation to any such situation and ensure that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures

 

KNOWLEDGE & SKILLS:

  • Post-secondary education in Business Administration, Accounting and Finance, Commerce or a related field
  • A minimum of 2 years’ experience within the financial services industry
  • Sound understanding of CRA rules on registered products and their characteristics is an asset
  • Strong knowledge of Self-Directed registered products
  • Working knowledge of financial regulatory requirements on registered products, AML, and Compliance is an asset
  • Effective organizational and time management skills
  • Strong interpersonal skills
  • Strong written and verbal communication skills
  • Intermediate knowledge of Microsoft Word, Excel and Power Point applications and Outlook

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers. 

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Residential Mortgage Underwriter
Position description

MANDATE:

The Residential Mortgage Underwriter (End to End) is responsible for successfully contributing to overall portfolio growth and maximizing profitability in an environment focused on operational and service excellence. The role is responsible for the full credit adjudication process from determining the credit worthiness of customers based on established lending criteria along with the review and fulfillment of the mortgage conditions. This includes exception management, pricing determinations and documentation review and acceptance all while meeting performance targets and ensuring adherence to service standards.

ACCOUNTABILITIES:

  • Successfully contribute to the Residential Lending results, ensuring growth and profitability targets are being met.
  • Maintain knowledge of Community Trust residential mortgage underwriting policies, procedures, and products.
  • Negotiate, structure, and evaluate received mortgage applications according to internal policies.
  • Manage portfolio risk by exercising consistent, objective and sound credit decisions within authorized limits, escalating with rationale to support recommendation where appropriate.
  • Issue mortgage commitments with appropriate conditions.
  • Review mortgage documentation to ensure each document is complete and accurate based on Community Trust’s credit policies, procedures, and anti-money laundering requirements.
  • Instruct files to FCT and work together with Residential Funding to ensure timely closings.
  • Effectively partner with Mortgage Advisory to deliver top of class experience to our partners.
  • Work in collaboration with the Credit Quality Assurance and Funding teams to ensure targets are being met.
  • Maintain up to date knowledge of the competition, industry trends and market conditions.
  • Ensure accurate record keeping and that all records are stored and retained to meet Company standards.
  • Identify continuous improvement opportunities.
  • Follow AML procedures on all files with an emphasis on “Know Your Client” rules.
  • Proactively identify actual and potential violations of AML regulatory requirements, internal policies and procedures or other AML/ATF risk situations at an early stage. Conducts appropriate inquiries and investigations in relation to any such situation and ensures that corrective actions and/or risk mitigation actions are implemented in a timely manner or escalated appropriately.
  • Adhere to compliance and operational risk controls in accordance with company’s policies and procedures.
  • Effectively manage tasks and cases to adhere to predetermined Service Level Agreements

 

KNOWLEDGE & SKILLS:

  • Minimum of 3 years’ experience in residential origination.
  • Post-Secondary Education preferred.
  • Demonstrates interpersonal and relationship building skills.
  • Solid understanding of the general characteristics, attributes and risk factors associated with various loan types.
  • Working knowledge of Google Workspace applications.
  • Demonstrates strong negotiation and sales skills.
  • Solid written and verbal business communication skills.
  • Strong analytical skills.
  • Demonstrates effective organizational and time management skills.
  • Solid written and verbal business communication skills.
  • Exceptional analytical skills and a keen eye for detail.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers. 

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Senior Manager, Credit Risk - Digital Banking
Position description

MANDATE:

The Sr. Manager, Credit Risk – Digital Banking will play an integral part for product launch and ongoing management of various retail banking lending products. The individual will be responsible for developing credit models and credit strategy for lending products. The role will require sophisticated analytical problem solving and developing state of the art credit strategies.

 

The individual will be responsible for developing and validating credit risk models (PD & LGD) and analyzing large datasets to develop various regression models. In addition, the individual will be responsible for designing the credit strategy and leveraging the models. The role requires that the incumbent is extremely hands on with data analytics tools and software e.g., SAS, Python, R, SQL. The role will require the individual moving seamlessly across areas of modeling, strategy development, conducting adhoc analytics and reporting.

ACCOUNTABILITIES:

  • Developing credit risk models
  • Developing underwriting criteria for auto adjudication of retail lending products
  • Working with Products team to incorporate nuanced criteria in credit strategy
  • Implementing models and strategy in the production system working with Technologies
  • Developing and maintaining documentation for models and strategy
  • Communicating the effectiveness of the strategy to senior leadership team
  • Devising Test & learn approach in credit decision
  • Tracking credit strategy performance
  • Conducting model performance tracking and validation
  • Conducting credit risk analytics
  • Loss forecasting
  • Portfolio reporting
  • Recommending changes in credit strategy based on credit performance

KNOWLEDGE & SKILLS:

  • Bachelor degree or higher in a quantitative discipline e.g., Mathematics, Statistics, Economics
  • Master’s degree preferred
  • 5+ years in credit risk management in retail banking
  • Passionate about modeling and analytics
  • 3+ years of hands on modeling experience
  • 5+ years of experience in credit risk management
  • Experience in developing Logistic, OLS Regression, GLM, CHAID, Tree and other machine learning techniques
  • Experience of developing NPV based credit decision logic
  • SAS, Python, SQL
  • Experience of credit strategy development for acquiring new customers
  • Comfortable working with numbers and the ability to drill down
  • Power BI, experience is a plus
  • IFRS9 experience is a plus

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers. 

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Finance Projects
Senior Property Valuation Specialist
Senior Manager, Finance Projects
Position Description

MANDATE:

Reporting to the Director, Financial Accounting, the Sr. Manager, Finance Projects is responsible for leading the Finance & Accounting teams on all enterprise projects with Finance involvement and partnering with key stakeholders to provide solutions and advise on all accounting and reporting issues. This role also requires providing strategic thinking and end-to-end leadership and support on all Finance & Accounting initiated projects, perform testing, and resolving system and project-related issues.

 

The Sr. Manager, Finance Projects is responsible for understanding, influencing, and working with the Project teams within the enterprise to set project scope, ensure detailed business and data requirements are developed, and manage execution for all aspects of Finance. This role also requires strong knowledge of accounting concepts and standards, internal controls over financial reporting and regulatory reporting.

ACCOUNTABILITIES:

Project Management:

  • Work closely with and act as a primary point of contact for the Project Management team to ensure smooth implementation of finance components for all strategic initiatives.
  • Get involved in projects at the initial stages and clearly understand the expected outcomes, deliverables and benefits of the project to assist in the early identification of issues and recommend appropriate modification to scope, if required.
  • Ensure project plan is complete and includes Accounting entries/GL set-up, accounting policy, accounting processes/operations, system set-up, internal controls, financial reporting and disclosures, management reporting and taxation.
  • Ensure development of project artifacts including charters, integrated project plan, resource plan and contingency plan while complying with applicable standard processes (eg: Project management, Risk, Audit and Compliance).
  • Manage the execution and evaluation of the design and operating effectiveness of the Company’s internal control processes.
  • Rigorously manage scope to ensure commitments are achieved within agreed time, cost and quality parameters.
  • For all new processes, evaluate the design and operating effectiveness of the processes and ensure appropriate controls over processes and financial reporting exist.
  • Identify and ensure continuous improvement through understanding and monitoring of systems and existing processes. Develop and implement solutions that enhance the efficiency and effectiveness of the function. Ensure strong working relationships within the Finance and Accounting department, ensuring engagement of the CFO and Director, Financial Accounting in decisions and initiatives.
  • Work closely with business unit heads to ensure cooperation and delivery of projects accurately and on time.
  • Manage relationship with external and internal auditors, vendors and consultants, and other key stakeholders and act as a primary point of contact for queries on Finance and Accounting projects/processes.
  • Ensures adherence with CTC’s Risk framework through effective oversight the proper implementation of policies, procedures and controls as required by regulations.

Production Support:

  • Work closely with the team to understand the new/existing system issues or issues related to Projects.
  • Maintain an issue log and periodically update the management with the progress.
  • Coordinate with the Technical team to resolve the issues.
  • Work actively with the team to assist them in resolving production issues.

Testing:

  • Assist Director, Financial Accounting to put together robust test plans and ensure completeness of the test scenarios.
  • Coordinate Regression and User Acceptance testing with the vendor, various stakeholders, and Information technology team.
  • Perform regression/UAT testing on behalf of Finance and share the results with Director, Financial Accounting for approval.
  • Communicate proactively to the Director, Financial Accounting or CFO of any bottlenecks or hurdles impacting the deadlines.

KNOWLEDGE & SKILLS:

  • University degree in Business or Finance and an Accounting designation (MBA or CPA) is preferred.
  • Extensive accounting and financial reporting leadership experience with a strong understand of IFRS, GAAP and accounting processes, systems and solutions.
  • 7 to 10 years of management experience leading system implementation and an affinity to system design and development.
  • Strong organization, multi-tasking, project planning and management skills along with a risk mitigation mindset is required
  • Strong presentation skills with ability to conduct presentations comfortably to senor and executive management.
  • Ability to communicate effectively and build strong relationships with multiple stakeholders and business units.
  • Superior knowledge of program and program management methodologies.
  • Ability to proactively solve problems and escalate issues through the proper governance protocols and channels
  • Excellent power point and excel skills.
  • Sound understanding of risk management.
  • Effective attention to detail and a high degree of accuracy.
  • High level of integrity, confidentiality and accountability.
  • Sound analytical thinking, planning, prioritization and execution skills.
  • A well-defined sense of diplomacy, including solid negotiation, conflict resolution and people management skills.
  • Experience creating and managing budgets for a large, distributed organization.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Property Valuation Specialist
Senior Property Valuation Specialist
Position description

MANDATE:

The Senior Property Valuation Specialist is responsible for leading, developing and managing property valuations across all operations, and operating regions, at Community Trust Company (“CTC”). The Senior Property Valuation Specialist will maintain oversight of the approval processes, property valuation methods and third-party service providers in a rapidly growing, agile, fin-tech Enterprise focused on service and operational excellence. The Senior Property Valuation Specialist is a member of CTC’s Lending Area Committee.

ACCOUNTABILITIES:

  • Foster, and lead by example, a culture that is aligned with the company’s IQTECH values of Innovative, Curious & Optimistic, Team Oriented, Entrepreneurial & Agile, Customer Centric and Honest with Integrity.
  • Review property valuations (including full appraisals, AVMs and inspections) to confirm the report and property is suitable for the loan under consideration.
  • Ensure notes adequately explain the basis of the property valuation review, decision, cautionary findings, criticalities and risk mitigations, if any.
  • Commit to the timely completion of valuation reviews, adhering to prescribed service level agreements.
  • Educate and inform staff regarding property valuation assessments through training and day to day interactions.
  • Maintain and develop key internal and external relationships at all seniority levels.
  • Oversee the approved third-party property valuation service providers list including the onboarding of new and the maintenance of existing providers. Conduct necessary provider due diligence to ensure prudent work practices and compliance with CTC requirements.
  • Provide subject matter expertise (“SME”) throughout service provider assessment and selection process.
  • Monitor real estate market conditions, industry and external environments for emerging trends and activities that might impact lending areas and make necessary recommendations to management.
  • Monitor emerging trends in valuation methodologies and make necessary recommendations to management.
  • Maintain a comprehensive understanding of policies, procedures, insurer and regulatory requirements.
  • Continuously identify best practice opportunities such as process improvements, policy & procedure changes, elimination of redundancies, superior tools or methods, system changes and/or reporting needs.
  • Participate and/or lead projects in support of best practice plan initiatives pertaining to property valuations.

KNOWLEDGE & SKILLS:

  • Minimum 10+ years combined experience in property valuations across Canada.
  • Appraisal Institute of Canada designation, an asset.
  • Thorough knowledge of property valuation methodologies, techniques, and review practices.
  • Solid acumen to identify the characteristics, attributes and risk factors associated with various property types.
  • Strong working knowledge of KYC and AML/ATF required.
  • Sound analytical thinking, planning, prioritizing, and executing skills.
  • Experience in report preparation and presentation.
  • Ability to work under pressure through fluctuating volume periods.
  • Exceptional interpersonal skills and relationship building skills.
  • Excellent written and verbal communication skills.
  • Strong organizational and time management skills.
  • Exceptional attention to detail and able to complete tasks with a high degree of accuracy.
  • Experience with Salesforce, Power BI and Google applications is an asset.

We invite you to apply easily through your LinkedIn account by clicking the link below:

At Questrade Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive, and accessible work environment. We value the unique skills and experiences each individual brings, and believe that when our teams feel supported and motivated, their creativity becomes a source of innovation. We are also committed to creating and sustaining a collegial work environment in which all individuals are treated with dignity and respect and also one which reflects the diversity of the communities we serve and operate in to help us revolutionize financial services for the benefit of all of our customers.

Candidates selected for an interview will be contacted directly. If you require accommodation during any part of the recruitment/selection process, please let us know and we will work with you to meet your needs.

Other Opportunities
Business Development Manager
Business Reporting Analyst
Copywriter
Client Servicing Specialist
Credit Quality Assurance Specialist
Credit Risk Analyst
Digital Specialist
Director, Financial Reporting
Graphic Designer
Head of Internal Audit
Mortgage Default Specialist
Mortgage Fulfillment Specialist (Toronto)
Mortgage Retention Specialist
Registered Account Administrator
Residential Mortgage Underwriter
Senior Manager, Credit Risk - Digital Banking
Senior Manager, Finance Projects