QA Analyst, Credit Risk
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Job Description
QA Analyst reviewing mortgage files, fraud risks, and underwriting compliance for nesto, Canada’s digital mortgage lender. Supporting audits and credit-risk mitigation.
Responsibilities:
- Review daily samples of mortgage applications post-funding and pre-funding
- Ensure compliance with nesto Group policies, underwriting standards, and regulatory requirements
- Assess file data, financial documents, client information, broker and insurer transmissions, and legal documentation
- Identify policy deviations, unusual behavior patterns, suspicious transactions, and invalid documentation
- Conduct preliminary investigations and take necessary action on suspect files
- Mitigate misrepresentation risk and potential losses
- Prepare QA reports with findings and recommendations
- Execute further analysis as directed by Risk or QA Management
- Support audits with partners, investors, and insurers from preparation through resolution of findings
- Assist with the management, periodic control, and review of approved lists and AML lists
- Execute QA/QC reviews regularly, promptly, efficiently, and objectively
- Provide guidance, opinions, and recommendations to underwriting staff and stakeholders on credit issues, loss mitigation, flood/property risk, and training opportunities
Requirements:
- Minimum 3–5 years of mortgage lending adjudication experience
- Experience in the mortgage broker channel is preferred
- Proficiency with Microsoft Office (Excel, Word, SharePoint)
- Proficiency with Google Workspace (Google Drive, Sheets, Docs)
- Experience with CRMs and workflow tools (Salesforce)
- Strong understanding of insurer, internal, and external guidelines
- Working knowledge of fraud implications, detection methodologies, and risk mitigation
- Analytical thinking, with well-developed negotiation and problem-solving skills
- Ability to identify trends, patterns, and anomalies in mortgage underwriting
- Ability to work independently with limited supervision
- Ability to prioritize urgent applications
- Ability to make unpopular recommendations when required
- Bilingual fluency in English and French is required
- Ability to effectively communicate findings to management and underwriting teams
Benefits:
- Competitive compensation
- Performance incentives, where applicable
- Comprehensive medical, dental, and vision coverage
- Health and Wellness Spending Accounts, where applicable
- Telemedicine
- Employee Assistance Programs
- Mental health support for you and your family
- Generous vacation allowance (4 weeks)
- Floater days
- Statutory holidays
- RRSP matching
- Enhanced maternity and parental leave top-up programs
- Education assistance
- Mentorship
- Training
- Career growth opportunities across nesto Group
- Modern technology, collaborative teams, and the resources needed to succeed
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