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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 leader in creating a well-functioning 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 career in a supportive environment.
- Qualifications: University degree in business or finance and experience in mortgage underwriting required.
- Other info: Flexible hours with opportunities for personal and professional growth in an inclusive culture.
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 well‑functioning 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 that’s committed to making a real difference and be part of something meaningful.
What’s in it for you
- Accrued vacation.
- Annual individual performance bonus.
- Group insurance coverage to support your well‑being 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 AM–6:00 PM to 1:00 PM–9:00 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 you’ll do
- Analyze the information on applications for mortgage loan insurance for 1‑4 unit owner‑occupied and rental properties transmitted by approved lenders, particularly the information related to the borrower, the property, and the market.
- Apply sound judgment and decision‑making 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, problem‑solving and decision‑making skills.
- In‑depth 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 fast‑paced 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 real‑estate 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
We’re 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 non‑Canadians who are eligible to work in Canada. CMHC is an inclusive workplace where diversity of thought – and of people – 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 don’t worry – we’re always posting new positions, so don’t hesitate to give it another shot. We’re excited to see what you bring to the table this time around!
Senior Officer, Operations employer: CMHC
Contact Detail:
CMHC Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Officer, Operations
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, attend relevant events, and don’t be shy about asking for introductions. We all know that sometimes it’s not just what you know, but who you know that can help you land that Senior Officer role.
✨Tip Number 2
Prepare for those interviews! Research CMHC’s values and mission, and think about how your experience aligns with their goals. We want to see you shine, so practice answering common interview questions and have some thoughtful questions ready for them too.
✨Tip Number 3
Showcase your skills! Bring along examples of your past work or projects that demonstrate your analytical and decision-making abilities. We love seeing how you’ve tackled challenges in the past, especially in mortgage underwriting or credit analysis.
✨Tip Number 4
Don’t forget to follow up! After your interview, shoot a quick thank-you email to express your appreciation for the opportunity. It shows your enthusiasm and keeps you on their radar. And remember, apply through our website for the best chance at landing that dream job!
We think you need these skills to ace Senior Officer, Operations
Some tips for your application 🫡
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: Don’t just list your qualifications; demonstrate your 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 underwriting.
Be Clear and Concise: When writing your application, clarity is key! Use straightforward language and get to the point. We appreciate effective communication, so make sure your rationale for applying is easy to understand.
Apply Through Our Website: We encourage you to submit your application directly through our website. It’s 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
✨Know Your Stuff
Make sure you brush up on mortgage underwriting principles and CMHC’s policies. Familiarise yourself with the latest trends in the mortgage sector and be ready to discuss how your experience aligns with the role. This will show that you're not just interested, but also knowledgeable.
✨Showcase Your Communication Skills
Since effective communication is key in this role, prepare examples of how you've successfully communicated complex information in the past. Whether it’s through written reports or verbal discussions, being able to articulate your thoughts clearly will set you apart.
✨Demonstrate Problem-Solving Abilities
Think of specific instances where you’ve had to analyse data and make decisions under pressure. Be ready to share these examples during the interview, highlighting your analytical skills and how you navigate challenges in a fast-paced environment.
✨Emphasise Teamwork and Flexibility
CMHC values collaboration, so be prepared to discuss your experiences working in teams. Also, mention your willingness to adapt to flexible hours and shifts, as this shows you’re committed to meeting the needs of the organisation.
