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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in mortgage products, lending criteria, and underwriting processes while effectively managing client relationships and compliance with RBC policies. Proven ability to analyze financial circumstances and develop tailored lending solutions for clients.
Highest-signal resume keywords
Mortgage Industry ExperienceAnalytical SkillsClient Relationship ManagementKnowledge of Mortgage ProductsExperience with RBC Mortgage Systems
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Profile AnalysisDebt Servicing Capacity AssessmentMortgage Documentation PreparationBusiness Case DevelopmentExternal Lending Solutions StructuringAlternative Lending KnowledgeUnderwriting Processes UnderstandingFinancial Viability AssessmentCompliance ManagementMortgage Advisory Experience
Soft Skills
Excellent Communication SkillsListening SkillsTrust BuildingSelf-Starter InitiativeProblem-Solving
Tools & Technologies
FinmoHomeXSales Platform
Industry Keywords
Mortgage ProductsLending CriteriaUnderwriting StandardsClient DiscoveryFinancial GoalsThird-Party LendersCommunity PartnersData PrivacyEthical Business PracticesClient Transition Strategies
About the role
Key responsibilities & impact- Review declined RBC mortgage applications and conduct thorough client discovery to understand circumstances, needs, and financial goals
- Analyze client credit profiles, financial circumstances, and debt servicing capacity to identify appropriate external lending options
- Collect, organize, and validate required documentation for applications with external lenders
- Develop business cases positioning clients effectively with approved third-party lenders
- Match clients with optimal external lending products based on products, policies, terms, rates, and adjudication criteria
- Structure external lending solutions aligned with clients' transition goals and financial capacity
- Develop documented client transition strategies toward traditional RBC financing
- Make mandatory disclosures regarding fees, interest rates, terms, and RBC compensation
- Perform regular nurture calls throughout clients' mortgage terms
- Collaborate with Mortgage Specialists, Private Banking partners, and other RBC advisors
- Manage client interactions, documentation, and file submissions in compliance with RBC policies and regulations
- Identify and action program maturity leads for RBC refinancing or mortgage renewal
Requirements
What you’ll need- Minimum 2 years of mortgage industry experience or equivalent customer-facing financial services background
- Strong knowledge of mortgage products, lending criteria, underwriting processes, and home financing options
- Strong analytical skills with ability to assess credit profiles, debt servicing capacity, and financial viability
- Experience collecting, organizing, and preparing mortgage documentation and supporting materials
- Knowledge of alternative lending products, external lender underwriting standards, and adjudication processes
- Proven ability to build trust and maintain long-term client relationships
- Excellent listening and communication skills with ability to provide sound financial advice
- Self-starter who takes initiative, works independently, and seeks out solutions
- Commitment to compliance, data privacy, and ethical business practices
- Ability to manage multiple client files and competing priorities
- Experience in mortgage advisory or client relationship management roles
- Familiarity with alternative lending and third-party lender landscape
- Experience building business cases and structuring mortgage solutions for external lenders
- Experience with RBC mortgage systems (Finmo, HomeX, Sales Platform)
- Background in financial planning or wealth advisory
- Previous experience building and managing partner relationships with community partners or centres of influence
Benefits
Comp & perks- A comprehensive Total Rewards Program of flexible benefits, and pension options
- World-class training programs and career development opportunities
- A dynamic, collaborative, and high performing team where initiative and hard work are recognized and rewarded
- A flexible work schedule based on client preferences and your own work/life balance
- Innovative mobile technology to ensure your success