Specialist, Credit underwriting

Overview

This role analyzes new customer credit applications and makes credit decisions or recommendations in accordance with credit-granting principles. Responsibilities include independently assessing strategic issues, providing advice and guidance on solution implementation, and supporting business objectives through reporting, change management, and collaboration with internal and external stakeholders.

Responsibilities

• Analyze new customer credit applications and make credit decisions/recommendations in line with credit-granting principles.
• Adjudicate new credit applications within defined limits or recommend credit products.
• Complete credit analyses to adjudicate credit applications.
• Support business strategy by developing solutions and recommendations based on stakeholder needs.
• Provide advice and guidance to assigned business/group on implementation of solutions.
• Execute strategic initiatives in collaboration with internal and external stakeholders.
• Help determine business priorities and the best sequence for executing strategy.
• Conduct independent analysis and assessment to resolve strategic issues.
• Break down strategic problems; analyze data and information to provide insights and recommendations.
• Design and produce regular and ad-hoc reports and dashboards.
• Support change management of varying scope and type, focused on execution and sustainment activities.
• Support the development of tailored messaging, including writing, editing, and distributing communications.
• Respond to incoming inquiries in a prompt and professional manner; escalate issues to superiors or other departments.
• Assist customers and conduct all credit and related transactions.
• Keep current with established processes, policies, and regulations, including knowledge of products, credit policies, services, and relevant legal, regulatory, and technology requirements.
• May 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; exercise judgment to identify, diagnose, and solve problems within given rules.
• Take measured risks by applying the Risk Management Framework in line with Risk Culture and approved Risk Appetite, making sound and risk-informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws, and regulations.

Requirements

• Typically between 5 - 7 years of relevant experience and post-secondary degree in Business or a related field of study, 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.
• Expert knowledge of real estate lending products, regulatory compliance, and secondary market guidelines.
• 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 – Working.
• Knowledge of operational processes and supporting applications and policies - In-depth.
• Specialized knowledge from education and/or business experience.
• Verbal & written communication skills - In-depth.
• Collaboration & team skills - In-depth.
• Analytical and problem solving skills - In-depth.
• Influence skills - In-depth.
• Fluent in French and English to support business operations outside the province of Quebec.

Preferred Qualifications

• Knowledge of and experience with affordable lending programs (e.g. Illinois Housing Development Authority (IHDA), Wisconsin Housing and Economic Development Authority (WHEDA), National Housing Law Project (NHLP), etc.) - preferred.

Compensation & Benefits

• Salary: $45,000.00 - $100,000.00
• Pay type: Salaried
• Compensation varies based on location, skills, experience, education, and qualifications; may include a commission structure.
• Total compensation package may include performance-based incentives and discretionary bonuses, as well as other perks and rewards.
• Health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

Location

VIRTUAL61 - REMOTE/TELETRAVAIL - QC

Application Deadline

10/16/2026