Job Description

Our client, a Schedule I bank specializing in alternative mortgage solutions, is seeking a Quality Assurance Analyst to join their team for part-time contract opportunity. This role focuses on ensuring the accuracy, compliance, and integrity of multi-unit residential mortgage files. The ideal candidate brings deep knowledge of CMHC programs, underwriting guidelines, and risk assessment in a regulated lending environment.

This is a part-time (3 days/week) and fully REMOTE position. 

Responsibilities:

• Conduct detailed reviews of multi-unit residential loan files to ensure accuracy and compliance.
• Verify and confirm Certificates of Insurance (COI) issued by CMHC.
• Validate mortgage aggregation compliance with Master Trust and Servicing Agreements (MTSA), specifically for Affordability-Linked Pools (ALP).
• Assess adherence to underwriting policies and regulatory requirements.
• Identify documentation discrepancies and escalate credit risks.
• Evaluate mortgages against internal risk management thresholds (e.g., loan sizes, provincial concentration).
• Prepare quality control reports and identify trends for process improvement.
• Support the development of QA procedures and manuals.

Qualifications:

• Bachelor’s degree in Finance, Business, Real Estate, or related field.
• 3-7+ years of experience in mortgage lending, with a focus on multi-unit residential underwriting.
• Experience with automated quality control and loan origination systems.
• Strong analytical skills, attention to detail, and understanding of underwriting risk.
• Excellent communication and reporting skills.
• Bilingual (French/English) is an asset.