1. Position Overview

We are seeking a detail-oriented and results-driven Mortgage Specialist to support residential mortgage applications, commercial lending, and asset financing. The successful candidate will assist clients in identifying suitable financing solutions, assessing eligibility, coordinating documentation, and facilitating the mortgage application process in accordance with applicable Canadian laws, lender requirements, and industry standards.

2. Key Responsibilities

A. Mortgage Origination & Client Management

- Identify and develop potential residential and commercial mortgage opportunities.
- Understand clients’ financial requirements, objectives, income, credit profiles, and repayment capacity.
- Guide clients through mortgage products, interest rates, repayment options, and financing terms.
- Maintain professional relationships with clients, lenders, financial institutions, and referral partners.

B. Mortgage Application & Documentation

- Collect, review, and verify mortgage application documents, including proof of income, employment details, bank statements, credit information, and property-related records.
- Assess preliminary borrower eligibility and identify documentation gaps or potential risks.
- Prepare and process mortgage applications for submission to relevant lenders.
- Coordinate with lenders, underwriters, solicitors, appraisers, and other stakeholders to facilitate timely processing and closing.

C. Commercial Lending & Asset Financing

- Assist with commercial mortgage applications and financing requirements for business properties.
- Review business financial statements, cash flow information, asset details, and supporting documentation.
- Support asset financing and loan structuring based on client requirements and lender criteria.
- Conduct preliminary financial assessments and prepare relevant summaries for internal review.

D. Compliance & Risk Management

- Follow applicable Canadian federal and provincial regulations, privacy requirements, anti-money-laundering obligations, and lender-specific policies, as applicable to the role.
- Maintain accurate, confidential,



and up-to-date client records.
- Ensure that all client information and supporting documents are handled securely.
- Identify inconsistencies, missing information, and potential credit or documentation risks and escalate them appropriately.
- Perform mortgage-related activities only within the scope of applicable licensing and authorization requirements.

E. Reporting & Administration

- Maintain an organized pipeline of leads, applications, approvals, and pending cases.
- Follow up with clients and lenders regarding outstanding documents and application status.
- Prepare regular reports on application progress, conversion rates, pending approvals, and completed transactions.
- Maintain digital records and update the company’s internal tracking systems.

3. Required Qualifications

- Bachelor’s degree in Finance, Commerce, Business Administration, Economics, or a related field; relevant professional experience may also be considered.
- Prior experience in mortgage lending, mortgage brokerage, banking, financial services, commercial lending, or loan processing.
- Knowledge of the Canadian mortgage market, lending procedures, borrower qualification criteria, and mortgage documentation.
- Familiarity with residential mortgages, commercial loans, and asset financing.
- Robust analytical, numerical, documentation, and problem-solving skills.
- Proficiency in Microsoft Office, spreadsheets, email, and digital documentation systems.
- Excellent written and verbal communication skills.

4. Preferred Skills

- Experience working with Canadian banks, credit unions, mortgage lenders, or licensed mortgage brokerages.
- Familiarity with Canadian credit reports, debt-service ratios, loan-to-value ratios, income verification,



and property valuation.
- Understanding of provincial mortgage licensing requirements and applicable compliance procedures.
- Strong client relationship management, negotiation, follow-up, and organizational skills.
- Ability to work independently in a remote environment and coordinate with stakeholders across Canadian time zones.

5. Key Performance Indicators (KPIs)

Performance will be evaluated based on:

- Number and quality of qualified mortgage leads generated.
- Accuracy and completeness of mortgage applications and documentation.
- Timely follow-up with clients and lenders.
- Application progression, approval rates, and successful closures, where within the employee’s control.
- Compliance with documentation, confidentiality, and reporting standards.
- Client service quality and maintenance of an organized application pipeline.

6. Working Arrangements

- Work Mode: Remote.
- Working Hours: As specified in the employment contract, aligned with the company’s operational requirements and relevant Canadian time zones.
- Reporting To: Management or the designated Mortgage/Financial Services Manager.
- Employment Terms: Compensation, contract duration, leave entitlements, and other conditions shall be governed by the applicable employment agreement.

7. Confidentiality & Professional Conduct

The employee shall maintain strict confidentiality concerning client financial information, personal data, lender communications, and company records. All duties must be performed ethically and professionally, with appropriate care, accuracy, and compliance with applicable Canadian requirements.

Note: This position description outlines the principal responsibilities of the role and is not exhaustive. Any regulated mortgage brokering, mortgage advice, or arranging activities must be performed only where the required provincial or territorial licensing and authorization are in place.

Pay: ₹16,000.00 - ₹40,000.00 per month

Benefits:

- Cell phone reimbursement
- Work from home

Work Location: Remote

📌 Mortgage Specialist (India)
🏢 Tony Roma's
📍 India