Mortgage Fulfillment Officer (MFO)

About the Role

As a Mortgage Fulfillment Officer (MFO), you will manage assigned mortgage applications from acceptance to funding, ensuring accuracy, compliance, and timely completion. This role supports Scotiabank RESL mortgage operations and, in 2024, funded thousands of mortgage applications. Training is provided! What You'll Do

• Process and fund mortgage applications from acceptance to funding with high accuracy and within service level agreements (SLAs).

• Prioritize and complete assigned applications; prepare and forward instructions to lawyers, vendors, and branches.

• Review and upload funding documents, verify solicitor-provided forms, and ensure compliance.

• Handle documentation for PCA, payout/ transfer requests, MPA, bridge loans, and refinances.

• Maintain accuracy across Bank systems including SMART Funding, MIMS, TLS, CIS, KS, and IRIS.

• Disburse funds correctly and prepare posting worksheets for accounting.

• Resolve issues such as title defects or missing information and escalate when needed.

• Provide backup support to other MFOs and recommend process improvements.

• Build strong relationships with BRMs, BLMs, HFLMs, branches, solicitors, and vendors; respond promptly to inquiries and resolve funding exceptions.

• Manage pipeline deals in MIMS and SMART notifications to avoid delays; share product knowledge and policy guidance with partners.

• Mitigate risk and ensure compliance by adhering to regulatory, documentation, and KYC requirements; maintain confidentiality and cyber security awareness.

• Escalate non compliance or unusual transactions promptly; verify lawyers standing and update records as needed. What We're Looking For

• Fluency in both English and French is required.

• Post secondary degree (asset).

• Minimum 1 year mortgage industry experience (preferred).

• Knowledge of Scotiabank’s mortgage products, policies, and procedures (asset).

• Familiarity with bank systems SMART Funding, Term Lending System, KS Visa, MIMS, Workflow, CIS (asset).

• Understanding of Broker, Home Financing Advisor, and eHOME mortgage delivery strategy (asset).

• Basic computer skills (Microsoft Office, Adobe).

• Ability to multi task and meet strict deadlines in a fast paced environment.

• Strong organizational, prioritization, and communication skills (written & verbal).

• Excellent customer service and problem solving skills.

• Ability to work independently and collaboratively.

• Openness to feedback and commitment to