Join a Challenger

At EQ, we're remaking banking so every Canadian gets ahead, every day. Serving nearly 4 million Canadians from coast to coast, we offer a wide variety of financial services from banking and lending, to trust and credit union solutions.

We've been at this since 1970, challenging the conventions of traditional banking with smarter, faster, and more connected financial experiences.

What's kept us moving? The people behind it all: challengers who ask better questions, push back on old assumptions, and look for a better way forward.

If you're driven to help reshape how banking works for Canadians and the businesses that power our economy, this could be your next big opportunity.

We can’t wait to get to know you!

The Work

The Residential Mortgage Underwriter, Specialized Credit is responsible for assessing all new mortgage applications, issuing mortgage commitments, and collecting required documentation taking the file to the solicitor instruction stage in a timely and prudent manner within established guidelines. This must be done as efficiently as possible while exercising sound lending judgment and without compromising service and profitability.

The Core Responsibilities!

- On a daily basis, the incumbent must promptly review received applications, verify the supporting documentation to ensure accuracy and legitimacy, approve, decline or refer the applications for approval. The incumbent is also responsible to ensure that approved deals close as scheduled and as efficiently as possible by following up on outstanding conditions/documents and ensuring compliance with established guidelines.

- The incumbent will follow up with brokers daily on issued mortgage commitments to ensure that funding volumes are maximized.

- The incumbent will review documentation for accuracy and legitimacy placing a strong emphasis on anti-money laundering (AML) and anti-terrorist financing (ATF) requirements, including but not limited to, income and down payment verification.

- The incumbent will strive to ensure that mortgage files are in compliance with the Company’s and the mortgage default insurers’ established lending policies and procedures.

- As required, assist the team with reporting, file management and data integrity requirements.

- The incumbent is responsible for the management of their deal flow in order to meet prescribed deadlines and SLAs.



The incumbent will make diligent use of reports to track and manage the flow of all deals funding for their pipeline.

- On a daily basis, incumbents must provide the highest level of internal and external customer service while fielding mortgage broker inquiries and building strong broker relationships.

- On a daily basis, be the main point of contact and provide underwriting expertise to mortgage brokers, provide assistance to co-workers when required to meet the Company’s service levels and maintain up to date knowledge of company and insurers policies and products. Additionally, the incumbent is expected to provide guidance to more junior staff as required.

- Develop strong broker relationships including in person meetings to help drive excellent NPS results without sacrificing credit quality

Let's Talk About You!

- Sound thinker with the ability to multi-task

- Excellent attention to detail

- Sound knowledge of AML & ATF practices

- Established and meticulous organizational skills

- Excellent time management, analytical and problem-solving skills

- Ability to make decisions under pressure

- Proven ability to thrive in a constantly changing environment and to perform well in a high volume, high intensity environment

- Highly developed verbal and written communication skills with the ability to respond in a clear, concise and skilled manner

- Displays pride in providing superb customer service

- 2+ years’ mortgage experience in the prime and/or alternative mortgage market

- Proficiency in MS Office (mainly MS Word and Excel)

- Completion of a post-secondary degree preferably in a financial field

- Knowledge of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation is required

- Bilingual in English and French.

What we offer [For full-time permanent roles]

uD83DuDCB0 Competitive discretionary bonus

✨ Market leading RRSP match program

uD83EuDE7A Medical, dental, vision, life, and disability benefits

uD83DuDCDD Employee Share Purchase Plan

uD83DuDC76uD83CuDFFD Maternity/Parental top-up while you care for your little one





uD83CuDFDD Generous vacation policy and personal days

uD83DuDDA5 Virtual events to connect with your fellow colleagues

uD83CuDF93 Professional development and comprehensive Career Development program

uD83DuDC9B A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience

The incumbent will be working hybrid and in office time will be spent working from EQ Bank’s additional office space located at 2200-25 Ontario Street, Toronto, ON.

Equity, Diversity & Inclusion

EQ is committed to building an inclusive, accessible environment where every employee feels valued, respected, and supported. We believe our organization is stronger — and our people thrive — when we honour and celebrate diverse experiences, identities, and perspectives. We’re equally committed to supporting your growth, both professionally and personally.

We provide a barrier‑free recruitment process and work environment. If you require accommodations at any stage, we will work with you to ensure you can bring your best self to the process and beyond.

As part of our recruitment process, EQ uses AI to help screen, assess, and/or select applicants for this position. All AI-enabled outputs are reviewed and validated by our talent team. All candidates considered for hire must successfully complete a criminal background check and credit check. While we appreciate every application, an EQ recruiter will contact only those whose skills and experience most closely match the requirements of the role.

EQB Inc. (TSX: EQB) is the parent company of Equitable Bank, the country's seventh-largest Schedule I bank by assets, which operates EQ Bank, Canada's Challenger Bank™. EQB Inc. serves nearly 4 million Canadians and manages approximately $150 billion in combined assets under management and administration.

To learn more, visit eqb.investorroom.com and eqbank.ca.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

📌 Residential Mortgage Underwriter, Specialized Credit (Bilingual) (Toronto)
🏢 EQ Bank | Canada's Challenger Bank
📍 Toronto