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Inside Sales Specialist At Home Trust Company

Location: Toronto, Ontario

Job Description

Company Profile

Home Capital Group Inc., together with its operating subsidiary Home Trust Company, has developed a track record of success as Canada’s leading alternative lender. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products. Home Trust’s core values are respect, trust, and integrity.

The Residential Sales business unit works directly with brokers and borrowers to offer a variety of solutions while providing outstanding service to our clients. As a key segment of Home Trust’s business, our focus will remain on core residential products as we position ourselves for continued success. We drive business volumes consistent with our risk appetite, adhering to the Company’s legislative and regulatory requirements, and supporting key business objectives to enhance employee engagement and capability while fostering a culture of respect, trust and integrity.

Position Responsibilities

Broker Management/Profitability (50%)
Develop, strengthen and maintain new broker relationships
Maintain consistent, objective and sound risk assessments in a high volume, quality and service oriented environment
Recognize cross-sell/upsell opportunities, recommend alternative mortgage proposals and communicate with team to maximize business development and profitability
Remain current on latest market trends and participate in industry events to secure competitive advantage
Maintain an in-depth knowledge of highly evolving underwriting/lending guidelines, regulations, and utilize specialized knowledge of loan products to interpret these guidelines to assist the broker in his/her understanding;
Delivery of established sales targets for assigned territories working in tandem with the Business Development Manager(s)
Educating brokers on HTC products and services
Ensuring Efficient hand off to BDM once targets are hit

Communication (30%)
Ensure broker phone calls and emails are returned in a timely manner in accordance with defined Service Level Agreement.
Work effectively with all internal and external business partners to achieve required organizational & departmental goals and achieve excellence

Risk and Compliance (20%)
Evaluate and analyse documentation supplied by client and broker to ensure its authenticity and compliance with all aspects of Home Trust Company’s policies and guidelines per delegated authority matrices and applicable compliance obligations, including Underwriting policies and lending guidelines, Privacy, Anti-Money Laundering/ Anti-Terrorist Financing and internal Anti-Fraud Policy requirements
File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity
Ensure all mandatory Training is completed within a designated deadline.

Formal Education
  • Bachelor's degree required in Business, Economics or equivalent

Related Experience

Related Experience: • 1-3 (3-5 years for Senior) with mortgage lending
  • Strong understanding of residential mortgage products
  • Proficient in reviewing residential mortgage appraisals

  • Exceptional communication skills, particularly telephone selling skills and etiquette
Solution-focused, takes initiative to work effectively within established guidelines
  • Strong organizational, time-management and analytical skills
  • Able to multi-task and flourish in a fast-paced, deadline-driven work environment
  • Well-developed negotiation, sales/ influencing skills
  • Exceptional interpersonal relationship building and listening skills
• Excellent written / verbal communication and professional maturity • Understands Home Trust Company’s lending criteria and culture
  • Solid knowledge of MS Office and loan origination software

Position Complexities
  • Able to work beyond standard hours as required (including some evenings, weekends)
  • Bilingualism an asset