Loan Officer

What we do

PHL Capital is a Canadian alternative mortgage lender that provides tailored products for borrowers who may not qualify for conventional financing. Partnering with mortgage brokers and investors, we have been offering reliable, transparent, and flexible options, focused on strong relationships, market expertise, and ethical lending practices for 20 years.

Why join PHL

We offer a supportive and engaging work environment where your creativity and skills matter, giving you the opportunity to make a meaningful impact with a passionate team that prioritizes growth for everyone.

• Work with an incredible team of internal and external partners, who prioritize outstanding service.
• Gain exposure and experience in legal documentation, underwriting, credit and funding coordination.
• Compensation includes a base salary of $55,000 - $70,000 plus generous bonus.
• Vacation and comprehensive benefit plan (100% covered health, dental, vision care).
• RRSP matching after probationary period.

Who we are

Our incredible staff spans three provinces across Canada, coming together as a diverse group of tenured professionals who shape our vibrant workplace culture. We value the individuality of each team member, recognizing that our combined strengths amplify our effectiveness as a unit. At PHL, we foster collaboration, encourage personal growth, and strive to honor our values every day.

Our Values

• Passion: Be All In - We are all about PHL's success. Bringing our A-game daily, we take pride in our work and have fun along the way.
• Trust: Keep It Real - Transparency and honesty guide us. We keep our promises, communicate openly, and value the balance of give and take.
• Growth: Always Get Better - Continuous improvement happens daily. We embrace challenges, learn from feedback, and commit to growing every day.
• Teamwork: Stronger Together - Collaboration is key. By sharing our knowledge and empowering each other, we achieve amazing results for our clients.
• Impact: Make It Count - We celebrate great work and are focused on delivering solutions that matter. We hold ourselves accountable and are committed to giving back to the community.

Position Overview

The Loan Officer provides critical administrative and transaction support to the underwriting team. This fast-paced role coordinates mortgage fundings, liaises with legal partners, and ensures files are processed accurately, efficiently, and in alignment with service standards. The Loan Officer plays a key role in delivering a seamless funding experience for broker partners through strong communication and attention to detail. Success in this role requires precision, responsiveness, professionalism, and a commitment to collaboration.

Key Responsibilities

• Ensure accurate, timely and efficient processing of mortgage files in varies stages of the mortgage life cycle.
• Accurately prepare and forward instructions to our legal counsel within established SLA.
• Track closing dates and underwriting conditions to resolve issues or outstanding documentation to ensure timely funding.
• Support the sales managers, underwriting team and accounting team to deliver an efficient, high-quality funding experience for broker partners.
• Manage broker communications by providing timely updates and general information.
• Have flexibility for over-time during peak periods.

Qualifications:

Education & Experience

• 1–3 years of exposure to mortgages, banking, or conveyancing, with high-volume administration and strong attention to detail.
• Post-Secondary education with an emphasis on business administration, finance or equivalent.
• Ability to obtain mortgage broker certification* within six months.

Knowledge, Skills & Abilities

• Self-motivated with a strong work ethic and sense of accountability.
• Excellent interpersonal skills with the ability to build effective working relationships internally and externally.
• Strong written and verbal communication skills.
• Exceptional organizational skills with a high degree of accuracy and attention to detail.
• Ability to manage multiple priorities and meet time-sensitive deadlines.
• Advanced proficiency in Microsoft Office (Excel, Word, Outlook, SharePoint).

*RECA specifies you must be a Canadian Citizen or Permanent Resident to be licensed. Unfortunately, we will be unable to proceed with applicants who do not have this requirement.