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Added 5 mins ago
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Member of Technical Staff (Agents)
MLabs
Toronto, ON
- Full-time
Our client is a high-growth, open-source infrastructure provider dedicated to the advancement of AI agents and web-based applications. By developing sophisticated browser infrastructure,…
Added 5 mins ago
P
Canada Technology Consulting - Business Platform Transformation Senior Director
Protiviti
Toronto, ON
- Full-time
…Cash transformation capabilities across market positioning, client advisory, technology partner alignment, delivery methodology, talent development, and commercial and delivery performance.…
Added 5 mins ago
CR
Senior Financial Analyst - FP&A
Clarity Recruitment
Guelph, ON
- $60 to $70 CAD / hour
- Contract
Our client is a national CPG manufacturer with plants across Canada and backing from a global parent company. The category is under real pressure. A strong US dollar, aluminum tariffs and…
Added 5 mins ago
OM
Social Strategist
Omnicom Media
Montreal, QC
- Full-time
Creo is looking for a Social Strategist to help lead organic social, community management, social listening and day-to-day client account management across our growing social practice.
Added 5 mins ago
OM
Social Strategist
Omnicom Media
Toronto, ON
- Full-time
Creo is looking for a Social Strategist to help lead organic social, community management, social listening and day-to-day client account management across our growing social practice.
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Technical Delivery Lead
Hays
Toronto, ON
- $120 to $135 CAD / hour
- Contract
Our client in the financial services sector is seeking a Technology Delivery Lead to join their Digital Banking and Channel Technology team. This is a leadership role focused on driving the…
Added 5 mins ago
CA
Account Executive - Emerging & Commercial Acc
CloudKettle, a Bell Canada company
Toronto, ON
- Full-time
You will work closely with senior members of the Client Services team to co-sell and position our consultancy as the preferred Salesforce partner. This role balances strategic relationship…
Added 5 mins ago
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Principal Product Engineer
Insight Global
ON · Ontario, Canada
- $150,000 to $170,000 CAD / year
- Full-time
Partner with foundry, packaging, and OSAT teams to resolve manufacturing challenges while driving quality improvements, cost-reduction initiatives, and continuous product lifecycle…
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Guidewire Policy Centre Integration Lead
Hays
Toronto, ON
- Contract
…team of integration developers while engaging directly with client architects and…
Added 5 mins ago
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Digital Project Manager
Treefrog Inc.
Canada
- Full-time
…design, and technology to help ambitious organizations grow. We partner with clients to build distinctive brands and high-performing experiences, bringing together visual identity, web…
Added 6 mins ago
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Senior Pharma Recruiter (French/English Speaking)
Cielo
Mississauga, ON
- Full-time
…recruitment cycle. You will act as a brand ambassador for the client, focusing on delivering exceptional talent while providing proactive and timely communication on the status of the…
Added 20 mins ago
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Technical Presales
Survalent
Mississauga, ON
- Full-time
Assisting in technical and functional RFI/RFPs and other client requests for written responses
Added 20 mins ago
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Technical Presales
Survalent
Toronto, ON · Greater Toronto Area, Canada
- Full-time
Assisting in technical and functional RFI/RFPs and other client requests for written responses
Added 20 mins ago
S
Technical Presales
Survalent
Toronto, ON · Etobicoke, ON
- Full-time
Assisting in technical and functional RFI/RFPs and other client requests for written responses
Added 20 mins ago
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Technical Presales
Survalent
Oakville, ON
- Full-time
Assisting in technical and functional RFI/RFPs and other client requests for written responses
Added 20 mins ago
TP
Financial Controller
The Portfolio Group
Toronto, ON
- $100,000 to $130,000 CAD / year
- Full-time
…and develop an accounting team. The Financial Controller will partner closely with senior leadership on financial reporting, budgeting and forecasting, cash flow management, financial…
Added 21 mins ago
Junior Commercial Lines Account Manager
My Insurance Broker
Thornhill, ON
…of commercial accounts by managing renewals, handling daily client requests, and remarketing policies when needed. If you love building long-lasting relationships with clients, brokers, and…
Added 21 mins ago
vCIO - Virtual Chief Information Officer
F12.net
ON
The vCIO is naturally inquisitive and will analyze how various technology enhancements can benefit a client, providing suggestions for optimal solutions. They oversee the client’s entire IT…
Added 21 mins ago
Senior UX Designer
Equitable
Waterloo, ON
…insights, business requirements and technical considerations into client journeys, user flows, wireframes, prototypes and polished designs, using research and usability testing to…
Added 21 mins ago
Human Resources Business Partner
University of Windsor
Windsor, ON
The HR Business Partner provides proactive and client centric human resource (HR) services which enables assigned departments to anticipate, plan and manage their HR initiatives. This…
Added 21 mins ago
FG
Laline - Part Time Team Lead - Hillcrest
Fox Group Canada Inc.
Richmond Hill, ON
- Part-time
Fox Group (10,000+ employees globally) - a leading, fast growing retailor and partner of choice to operate several well-known retail banners in Israel, Europe, and Canada - is excited to…
Added 36 mins ago
MD
Advisor, Full-cycle Revenue Growth (Hardware and Hard-tech)
MaRS Discovery District
Toronto, ON
- Contract
Advise on when and how to enter new geographies, including local buyer needs, regulatory and certification pathways, distribution, service coverage and partner economics.
Added 36 mins ago
MD
Advisor, Biotech/Life Sciences
MaRS Discovery District
Toronto, ON
- Contract
Deal and partnership readiness – Assist founders with value propositions, partner priorities, diligence materials, and negotiation prep for licensing and collaborations.
Added 36 mins ago
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Assistant Branch Manager, Kennedy & Denison Branch
RBC
Markham, ON
- Full-time
Partner with your manager to ensure operational effectiveness of the branch and maximize the performance of the team
Added 36 mins ago
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Lead Data Engineer
RBC
Toronto, ON
- Full-time
Partner with Platform/SRE on SLIs/SLOs, capacity planning, and platform standardization across squads.

RBC

Home Equity Referral Specialist

Toronto, ON, Canada
Mississauga, ON, Canada

Full-time

Apply About employer

Applications open in a new tab.

Job details

Job type: Full-time
Apply by: Oct 18, 2026
Experience: Minimum 2 years of mortgage industry experience or equivalent customer-facing financial services background
Posting language: English
Posted: Oct 1, 2026

Original job description

Job Description

What is the opportunity?

In this role, you help clients achieve their homeownership dreams by providing thoughtful guidance when their traditional mortgage application doesn't initially fit RBC's criteria. As a One RBC advisor, you connect declined clients with approved third-party lenders while developing realistic transition strategies that position them to achieve their financial goals. Your expertise in analyzing client credit profiles, building compelling business cases for external lenders, and structuring appropriate lending solutions ensures clients access the right products at competitive terms. Your ability to balance empathy with sound financial judgment, combined with your talent for building lasting client relationships and partnering across RBC, creates opportunities for clients to succeed financially and strengthens their long-term loyalty to RBC.

What will you do?

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 all required documentation to support client applications with external lenders, ensuring completeness and accuracy

Develop business cases that articulate client situations and mortgage needs, positioning clients effectively with approved third-party lenders

Demonstrate comprehensive knowledge of external lenders' products, policies, terms, rates, and adjudication criteria to match clients with optimal solutions

Structure external lending solutions by advising clients on product features, rates, terms, and conditions to ensure alignment with their transition goals and financial capacity

Develop documented client transition strategies in partnership with clients, identifying realistic pathways back to traditional RBC financing and achieving financial goals

Exercise sound judgment to match clients with the right approved third-party lender based on their unique situation and transition goals

Make all mandatory disclosures regarding fees, interest rates, terms, and RBC compensation before referring clients

Perform regular nurture calls throughout the client's mortgage term to track progress on their transition strategy and maintain the relationship

Collaborate with Mortgage Specialists, Private Banking partners, and other RBC advisors to identify additional client financial needs and opportunities for repatriation

Manage all client interactions, documentation, and file submissions with integrity, ensuring full compliance with RBC policies and regulatory requirements

Proactively identify and action program maturity leads to bring qualified clients back to RBC for refinancing or mortgage renewal

What do you need to succeed?

Must-have

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

Nice-to-have

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

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

· A comprehensive Total Rewards Program of flexible benefits, and pension options

· World-class training programs and career development opportunities

· The advantage of working with 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

Job Skills

Client Centricity, Communication, Critical Thinking, Curious Mindset

Additional Job Details

Address:

MEADOWVALE BUSINESS PARK, 6880 FINANCIAL DR:MISSISSAUGA

City:

Mississauga

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

PERSONAL & COMMERCIAL BANKING

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-10-01

Application Deadline:

2026-10-18

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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Stay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you.

Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com.

RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.

Apply About employer

More about this job

Responsibilities

The specialist reviews declined mortgage applications to provide guidance and connects clients with third-party lenders while developing transition strategies. They also manage client relationships, prepare business cases, and monitor progress to facilitate potential future repatriation to the bank.

Requirements

Candidates must have at least 2 years of mortgage industry or financial services experience with strong analytical and communication skills. Proficiency in mortgage products, underwriting standards, and alternative lending criteria is essential for success in this role.

Skills

Mortgage industry knowledge
Credit profile analysis
Financial advice
Underwriting processes
Business case development
Communication
Critical thinking
Client centricity
Data privacy
Compliance
Alternative lending
Financial planning
Debt servicing capacity assessment
Adjudication criteria

Benefits

Flexible benefits
Pension options
World-class training programs
Career development opportunities
Flexible work schedule

Visa sponsorship

Not detected in the job text

Keywords

Mortgage
Home Equity
Lending
Underwriting
Credit Profile
Financial Services
RBC
Finmo
HomeX
Sales Platform
Wealth Advisory
Financial Planning
Adjudication
Refinancing
Mortgage Renewal
Client Discovery
Debt Servicing
Compliance
Data Privacy
Relationship Management

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