Offers “HSBC”

Expires soon HSBC

Mortgage Underwriter

  • Internship
  • Depew (Creek)

Job description



· Deliver excellent customer service to a wide range of HSBC RBWM local and international customers (whille ensuring the cost effectiveness of the operation).
· Handle all functions and regulations related to underwriting.
· Primary focus on Agency and Home Equity Products, while developing knowledge in more complex HSBC products.
· Deliver upon quantitative and qualitative key performance indicators, in line with our business strategies and regulatory requirements (scorecard).
· Continually review and understand work practices and policies to ensure ongoing audit and risk standards are met.
· Ensure fair outcomes for customers are delivered in all situations.

Impact on the Business

· Make sound, well-documented credit decisions on each Mortgage application. Decision must adhere to all HSBC requirements and is supported by documentation in each file.
· Achieve published standards and other key performance indicators (attendance, revenue, retention, service levels, operational risk, etc).
· Meet all performance targets including standards in quality and productivity.
· Abide by first call resolution in alignment with global standards to promote customer satisfaction.

Customers / Stakeholders

· Mortgage Retail Sales
· Mortgage Direct
· Mortgage Business Development and Customer Acquisition
· Credit risk – RBWM
· BRCM and Compliance functions supporting RBWM
· Underwriting Quality Control - RBWM
· Key vendors supporting Mortgage Loan Originations at HSBC
· Third Party Management function in HSBC
· Head of Mortgage and Mortgage Leadership Team

Leadership& Teamwork

· Plan and prioritize work appropriately considering importance, urgency, customer and business impact.
· Deliver excellent customer service .
· Champion and embrace change and innovation
· Demonstrate ownership and common sense with all that you do, sharing best practice.)
· Communicate the HSBC vision, values and goals to others clearly and consistently.

Operational Effectiveness & Control

· Maintain highest standards of risk management, control and compliance.
· Reduce overall operating losses and credit risk within management control.
· Maintain KYC standards.
· Implement and apply the processes, infrastructure and resources needed to deliver agreed team plans and targets, identifying and implementing improvements and collaborating with colleagues to maximize integration, effectiveness and efficiency.
· Communicate and embed HSBC policy and procedures in order to ensure good operational, financial and project management, policy and procedural compliance and early identification and effective resolution or escalation of issues that arise.
· Provide timely, accurate, quality information to stakeholders to meet business and regulatory requirements.

Management of Risk

· Maintain highest standards of risk management, control and compliance.
· Reduce overall operating losses and credit risk within management control.
· Maintain KYC standards.
· Implement and apply the processes, infrastructure and resources needed to deliver agreed team plans and targets, identifying and implementing improvements and collaborating with colleagues to maximize integration, effectiveness and efficiency.
· Communicate and embed HSBC policy and procedures in order to ensure good operational, financial and project management, policy and procedural compliance and early identification and effective resolution or escalation of issues that arise.
· Provide timely, accurate, quality information to stakeholders to meet business and regulatory requirements.

Desired profile



Qualifications :

This position requires an individual with:

·  Mortgage Underwriting experience or formal knowledge of consumer financial documentation, familiarity with US credit and understanding of Credit Risk.
·  Familiarity with standard mortgage industry Automated Underwriting Systems.
·  Minimum of 3years proven bank, mortgage business, mortgage systems related experience or equivalent.
·  Minimum of bachelor's degree in business, accounting, related field or equivalent experience.
·  Proven communications, organizational, analytical, administrative, problem-solving, project management and interpersonal skills.
·  Proficiency with personal computers as well as pertinent HSBC systems and software.
·  Ability to meet deadlines and objectives independently and within the team.

EEO/AA/Minorities/Women/Disability/Veterans

Make every future a success.
  • Job directory
  • Business directory