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For Companies At a Glance
- Tasks: Analyse mortgage applications and provide excellent client service through effective communication.
- Company: Join CMHC, a team dedicated to improving the housing system.
- Benefits: Enjoy accrued vacation, performance bonuses, and comprehensive insurance from day one.
- Why this job: Make a real difference in people's lives while developing your professional skills.
- Qualifications: University degree in business or finance and experience in mortgage underwriting required.
- Other info: Flexible hours with opportunities for personal and professional growth.
The predicted salary is between 36000 - 60000 ÂŁ per year.
About CMHC
The work you do and the work we do together matters. We come to work every day with a common purpose: to contribute to a wellâfunctioning housing system. At CMHC, we hold ourselves accountable for our results and support our colleagues in their achievements. We thrive on collaboration, connecting across CMHC and involving the right people to get our work done. Our leadership style is guided by trust, where our leaders favour an adaptive approach based on the needs of their teams. Join us and be part of a team thatâs committed to making a real difference and be part of something meaningful.
Whatâs in it for you
Weâve got the purpose, the people and the perks you need for a fulfilling career. Hereâs the comprehensive and generous benefits you get when youâre a contract employee:
- Accrued vacation.
- Annual individual performance bonus.
- Group insurance coverage to support your wellâbeing from day one.
- Support towards your personal and professional growth with training, mentorship and more.
- An inclusive workplace culture and environment.
About the role
Join the Homeowner underwriting team, in the Senior officer, Operations position. In this role, you will ensure the mortgage underwriting of loans for new and existing homeowner and small rental properties with 1 to 4 units, while providing excellent client service through effective communication about CMHC's mortgage insurance products, policies and guidelines. CMHC Homeowner Underwriting offers service to clients from 8 am to 9 pm EST Monday to Friday and from 10 am to 6 pm on Saturday. Senior officers are expected to make themselves available for a rotating shift schedule to accommodate these business needs as well as for overtime during the peak volume periods if needed. You must be comfortable working flexible hours, primarily between 10 am and 9 pm, with shifts typically ranging from 10:00 AMâ6:00 PM to 1:00 PMâ9:00 PM, and be available to work a limited number of Saturdays. This is a temporary position with a duration of 13 months. This job posting is intended to fill multiple positions.
What youâll do
Analyze the information on applications for mortgage loan insurance for 1â4 unit ownerâoccupied and rental properties transmitted by approved lenders, particularly the information related to the borrower, the property, and the market. Apply sound judgment and decisionâmaking practices that are factual to derive recommendations and other options that may be beneficial to the client. Negotiate a reasonable solution in line with the risk appetite. Exercise prudence and diligence to ensure compliance with all relevant internal policies and procedures applicable to the function. Use effective oral and written communication to deliver clear rationale for underwriting decisions in manner that achieves lender concurrence and understanding. Respond to various mortgage insurance inquiries via phone and/or email to provide effective and efficient delivery of services that comply with service standard. Clarifying CMHC's underwriting policies to approved lenders. Maintain quality relationships with clients to understand their needs and objectives and explore opportunities.
What you should have
University degree (undergraduate) in business administration, finance, or commerce; a minimum of three years of experience in mortgage underwriting or individual credit analysis. An equivalent combination of education and relevant experience will also be considered. Strong analytical, risk management, problemâsolving and decisionâmaking skills. Inâdepth knowledge of risk factors related to credit, employment, local market conditions and mortgage sector trends. Demonstrated ability to read and interpret consumer credit bureau reports as well as residential property appraisals. Strong oral and written communication skills. Ability to work effectively on a team and independently. Ability to manage multiple tasks in a fastâpaced environment. Familiarity with CMHC policies, mortgage lending practices, and regulatory frameworks.
It would be great if you also had
Sound knowledge of mortgage financing and realâestate laws, fraud indicators, default remedy and/or property administration would be considered an asset. Bilingualism (English & French) is an asset.
Our commitment to diversity, equity, and inclusion
Weâre committed to employment equity and encourage women, Indigenous Peoples, persons with disabilities, veterans and persons of all races, ethnicities, religions, abilities, sexual orientations, and gender identities and expressions to apply. We also welcome applications from nonâCanadians who are eligible to work in Canada. CMHC is an inclusive workplace where diversity of thought â and of people â are recognized, valued, and considered essential to achieving our mission.
What happens after you apply
We know that applying for a new job can be both exciting and daunting, and we appreciate your effort. Learn more about our hiring process. If you are selected for an interview or testing, please advise us if you require an accommodation. If you applied before and you were not successful donât worry â weâre always posting new positions, so donât hesitate to give it another shot. Weâre excited to see what you bring to the table this time around!
Senior Officer, Operations in London employer: CMHC
Contact Detail:
CMHC Recruiting Team
StudySmarter Expert Advice đ€«
We think this is how you could land Senior Officer, Operations in London
âšTip Number 1
Network like a pro! Reach out to your connections in the industry, attend relevant events, and donât be shy about asking for introductions. We all know that sometimes itâs not just what you know, but who you know that can help you land that dream job.
âšTip Number 2
Prepare for interviews by researching CMHC and understanding their values and mission. We want to see that youâre genuinely interested in contributing to a well-functioning housing system. Tailor your responses to show how your skills align with their goals.
âšTip Number 3
Practice makes perfect! Conduct mock interviews with friends or family to get comfortable with common questions. We recommend focusing on your analytical and decision-making skills, as these are key for the Senior Officer role.
âšTip Number 4
Donât forget to follow up after your interview! A simple thank-you email can go a long way in showing your appreciation and keeping you top of mind. And remember, apply through our website for the best chance at landing that position!
We think you need these skills to ace Senior Officer, Operations in London
Some tips for your application đ«Ą
Tailor Your Application: Make sure to customise your CV and cover letter for the Senior Officer, Operations role. Highlight your experience in mortgage underwriting and how it aligns with CMHC's mission. We want to see how you can contribute to our well-functioning housing system!
Showcase Your Skills: Donât just list your qualifications; demonstrate your strong analytical and decision-making skills through specific examples. We love seeing how you've tackled challenges in the past, especially in fast-paced environments like mortgage lending.
Communicate Clearly: Effective communication is key! Use clear and concise language in your written application. Remember, we value clarity in rationale for decisions, so show us you can articulate your thoughts well right from the start.
Apply Through Our Website: We encourage you to apply directly through our website. Itâs the best way to ensure your application gets into the right hands. Plus, it shows us you're keen on joining our team at CMHC!
How to prepare for a job interview at CMHC
âšKnow Your Stuff
Make sure you brush up on CMHC's mortgage insurance products, policies, and guidelines. Understanding the specifics of the role will help you answer questions confidently and show that you're genuinely interested in the position.
âšShowcase Your Analytical Skills
Prepare to discuss your experience with mortgage underwriting or credit analysis. Be ready to provide examples of how you've applied sound judgment and decision-making in past roles, especially when it comes to risk management.
âšCommunicate Clearly
Since effective communication is key in this role, practice articulating your thoughts clearly and concisely. You might even want to do a mock interview with a friend to refine your oral and written communication skills.
âšFlexibility is Key
Be prepared to discuss your availability for the rotating shift schedule. Highlight your adaptability and willingness to work flexible hours, as this shows that you understand the demands of the role and are ready to meet them.
