• Job Description

  Req#: R-0000110510

  Job Summary

  Job Description

  What's the opportunity?

  As the Senior Mortgage Adjudication Associate, you will review & communicate credit decisions for complex Mortgage Specialist applications. You will apply your expert knowledge, experience and analysis of risk policy to provide exceptions. You will assess the risks while respecting Bank policies and recommend exceptions to credit principles, rules and guidelines. You will develop a strong relationship with sales and service partners through coaching, to ensure optimal client satisfaction.

  Please Note: This is a hybrid opportunity for applicants located in the Lower Mainland, British Columbia and within a commutable distance to the office at 2985 Virtual Way in Vancouver.

  What will you do?

  • Review client income, down payment, and multiple other home equity documents and obtain information needed to determine the creditworthiness of individuals applying for a mortgage
  • Review all applications for possible credit fraud and assist in ongoing investigations
  • Evaluate individual creditworthiness based on established standards and the 5 C's of credit
  • Communicate all decisions to our sales partners with an explanation and suggestions for next steps or structure, if required
  • Focus on complex client programs (Newcomer, Temp Res, Stated Income, Investor, Construction, TDS/GDS exceeding 60%)

  What do you need to succeed?

  • 2+ years of Mortgage lending/credit and strong knowledge of credit risk
  • Self-Motivated with strong accuracy and attention to detail
  • Strong customer focus and decision-making skills
  • Professional oral and written communication skills
  • Excellent time management, strong organizational skills and ability to compile facts
  • Excellent interpersonal skills and ability to partner effectively
  • Continuous learning mindset
  • Flexible to work shifts within the business hours of 7am–7pm (PST) Monday to Saturday, with the understanding that the shift offered will be 11am-7pm Monday-Friday or 8am-4pm on Tuesday- Saturday

  Nice to Have:

  • Related experience with adjudication systems and processes (Linx, Casper, Sales Platform, MS Excel)

  What’s in it for you?

  We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

  • A comprehensive Total Rewards Program
  • Ability to make a difference and lasting impact
  • Leaders who support your development
  • A comprehensive training program on internal processes and systems
  • Career progression if you have what it takes to be the best
  • Opportunity to work in a dynamic, collaborative, progressive, and high-performing organization

  Job Skills

  Accounting Finance, Ethical Business, Financial Statement Analysis, Fraud Risk Management, Information Capture, Process Management, Quality Management, Risk Management, Taking Ownership

  Additional Job Details

  Address:

  2985 VIRTUAL WAY, SUITE 302:VANCOUVER

  City:

  VANCOUVER

  Country:

  Canada

  Work hours/week:

  37.5

  Employment Type:

  Full time

  Platform:

  PERSONAL & COMMERCIAL BANKING

  Job Type:

  Regular

  Pay Type:

  Salaried

  Posted Date:

  2025-01-07

  Application Deadline:

  2025-01-14

  Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

  Inclusion and Equal Opportunity Employment

  At RBC, we embrace diversity and inclusion for innovation and growth. We are committed to building inclusive teams and an equitable workplace for our employees to bring their true selves to work. We are taking actions to tackle issues of inequity and systemic bias to support our diverse talent, clients and communities.
  
  We also strive to provide an accessible candidate experience for our prospective employees with different abilities. Please let us know if you need any accommodations during the recruitment process.

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  Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com.

• About the company

  Royal Bank of Canada (RBC), is a diversified financial services company. The Company provides personal and commercial banking, wealth management services, insurance, investor services and capital markets products and services on a global basis. The Com...

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