Manager leading Intact’s digital underwriting strategy for Commercial Lines. Driving underwriting technology modernization, portfolio governance, team performance, and business growth.
About the role
- Credit underwriter adjudicating first-mortgage applications and lending decisions for BMO, a bank serving customers and businesses. Managing credit analysis, risk, compliance, and stakeholder solutions remotely.
Responsibilities
- Analyze new customer credit applications
- Make credit decisions and recommendations in accordance with credit-granting principles
- Develop solutions and recommendations based on business strategy and stakeholder needs
- Advise assigned business/group on solution implementation
- Support strategic initiatives with internal and external stakeholders
- Determine business priorities and execution sequencing
- Conduct independent analysis and assessment to resolve strategic issues
- Collaborate with stakeholders to deliver business objectives
- Build effective internal and external stakeholder relationships
- Analyze data and information to provide insights and recommendations
- Design and produce regular and ad-hoc reports and dashboards
- Support change management execution and sustainment activities
- Develop tailored messaging, including writing, editing, and distributing communications
- Execute timely, accurate, and efficient service
- Adjudicate credit applications within defined limits or recommend credit products
- Complete credit analyses to adjudicate applications
- Respond to inquiries and escalate issues as needed
- Assist customers and conduct credit and related transactions
- Maintain current knowledge of processes, policies, regulations, products, credit policies, services, and legal, regulatory, and technology requirements
- Contact customers to obtain, clarify, or confirm information
- Apply and document sound credit-granting applications and lending decisions
- Follow security and safeguarding procedures to reduce credit/lending risks
- Think creatively and propose new solutions
- Identify, diagnose, and solve problems within given rules
- Work mostly independently
- Apply BMO’s Risk Management Framework, Risk Culture, and approved Risk Appetite to make sound, risk-informed decisions and protect assets
Requirements
- Typically 5–7 years of relevant experience and a post-secondary degree in Business or a related field, or an equivalent combination of education and experience
- 5–7 years of experience with first mortgage underwriting and related transactions — required
- In-depth pipeline management experience — required
- Experience with web based approval systems (DU/LP) — required
- Knowledge of affordable lending programs — preferred
- Expert knowledge of real estate lending products, regulatory compliance and secondary market guidelines
- Working knowledge of competitive marketplace and product offering trends
- Strong comprehension of HUD Handbook 4155.1 and 4155.2
- Working knowledge of credit policies and procedures
- Working knowledge of credit scoring, portfolio management, and risk management concepts
- Working knowledge of cash flow, credit, and evaluating collateral
- Strong experience in credit financial analysis
- Working knowledge of financial statements analysis and review of tax returns
- Working knowledge of lending products and processes
- In-depth knowledge of operational processes and supporting applications and policies
- Specialized knowledge from education and/or business experience
- In-depth verbal and written communication skills
- In-depth collaboration and team skills
- In-depth analytical and problem solving skills
- In-depth influence skills
- Fluent in French and English to support business operations outside the province of Quebec
Benefits
- Health insurance
- Tuition reimbursement
- Accident and life insurance
- Retirement savings plans
- Performance-based incentives
- Discretionary bonuses
- Other perks and rewards
- In-depth training and coaching
- Manager support
- Network-building opportunities
- Tools and resources to reach new milestones
- Accommodations available on request for candidates taking part in all aspects of the selection process
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