Underwriter

• Independently negotiate, approve, decline, and recommend residential mortgage and real estate secured/unsecured applications within an authorized lending limit of up to $1.5M
• Gather and assess all necessary documentation (income, down-payment, offers, etc.) to ensure applications align with risk parameters and insurer guidelines
• Identify potential risks and provide well-reasoned recommendations to management for applications exceeding personal authority limits or requiring specialized exceptions
• Act as a key point of contact for internal partners and external stakeholders, including insurers, appraisers, and solicitors, to resolve inquiries and finalize files
• Maintain high quality and due diligence standards while managing significant work volumes and strict timelines

• Professional fluency in both French and English is mandatory
• 3–4 years of retail mortgage underwriting experience, specifically focused on Residential Mortgages
• Proven experience in RESL (Real Estate Secured Lending) and a strong understanding of risk mitigation strategies
• Demonstrated experience with approval authority and the ability to formulate exception rationales independently
• Exceptional negotiation skills, high attention to detail, and the ability to communicate complex information clearly
• Proficient in MS Office (Outlook/Excel) and the ability to adapt quickly to new underwriting technologies

A university degree or completion of recognized mortgage broker/underwriting courses is considered a strong asset

• Professional Growth: Opportunity to work with a diverse portfolio of lending products and high-value files (up to $1,500,000)
• Collaborative Environment: Work alongside senior underwriters and industry experts in a supportive, fast-paced team
• Impactful Work: Play a key role in the risk mitigation and credit approval process for one of Canada’s major financial players
• Market Leadership: Gain experience with a firm known for its robust risk management and industry-leading standards