Pads Financial is a Montreal based Fintech startup. Pads is the brainchild of Canadian entrepreneurs who noticed a gap in the lendingmarket. We are the first all online lending platform helping Canadian homeowners obtain equity backed loans.

The Pads lending network is also comprised of 100% Canadian private investors. Pads Financial isvertically integrated; from lead acquisition to loan servicing everything is done in-house to insure excellent customer service, rapid processing, and the best rates. Each step of the loan process is optimized and expedited thanks to our proprietary AI.

As much as we lean on technology, Pads is a people centric organization. We believe in providing our team members with a safe, stimulating work environment where they can do their best work and have many opportunities to grow and develop their skillset. Pads is shaking up the lending space in Canada with excellent, honest client service, advanced technology and a 100% online application process.

Pads is seeking a Mortgage Underwriter to join our team. As a Mortgage Underwriter, you will be responsible for analyzing and evaluating mortgage loan applications to ensure they meet the required criteria and guidelines. You will work closely with other staff members to ensure that all loans are underwritten accurately and efficiently.

The ideal candidate will have a strong background in mortgage underwriting which consists of establishing a borrower credit worthiness and a property valuation.

Key responsibilities

- Analyze and evaluate mortgage loan applications to ensure they meet required criteria and guidelines.
- Assess the creditworthiness of borrowers and make recommendations for loan approval or denial.
- Review and verify borrower information, including income, employment, credit history, debt-to-income ratio.
- Review and analyze property information that will be used as collateral.




- Ensure that all loan documents are accurate and complete, and that all required documentation is obtained and properly filed.
- Identify potential risks and recommend appropriate risk mitigation strategies.
- Communicate with processors, and other staff members to resolve any issues or discrepancies.

Requirements

- Minimum of 1-3 years of experience in mortgage underwriting.
- Experience in residential mortgage underwriting.
- Works well in high pressure environment.
- Strong analytical and problem-solving skills.
- Excellent attention to detail.
- Ability to work independently and in a team environment.
- Strong communication and interpersonal skills.
- A dynamic, startup environment and a competitive total rewards package.
- A skilled office culture with open communication where all ideas are heard and valued.
- A competitive vacation offering and benefits package.
- Professional development is encouraged and paid for by the Company. We are seeking a dynamic and creative Social Media Manager to join our team. As a Social Media Manager, you will play a pivotal role in enhancing our online presence and engaging with our audience across various social media platforms. If you're passionate about crafting compelling content, building brand awareness, and driving engagement, we'd love to hear from you. We are seeking a highly motivated and customer-oriented individual to join our team as a Customer Service Representative in Mortgage Lending. We are looking for an experienced Bookkeeper to join our team. The successful candidate will be responsible for managing all financial transactions, maintaining accurate records, and ensuring compliance with all accounting standards and regulations. We are seeking an experienced Head of Sales & Partnerships to join our team and lead our partnership efforts. We are seeking an experienced and motivated Project Manager to oversee the planning, execution, and delivery of our projects.

📌 Underwriter (Montreal)
🏢 Padsfinancial
📍 Montreal