Our client, a large financial institution, is seeking an Intermediate Underwriter to join their team for a contract opportunity. This is a hybrid role supporting day-to-day underwriting operations (BAU) within secured lending. The successful candidate will support an increased volume of applications and work closely with underwriting managers and business partners. Onsite presence is required once per week for the first five weeks, with the remainder of the role following a hybrid model.

Responsibilities

Review, assess, and adjudicate residential mortgage and real estate secured and unsecured lending applications within established guidelines and authorized lending limits

Negotiate, approve, recommend, or decline credit applications using sound judgment and risk-based decisioning

Gather, review, and critically assess credit documentation including income verification, down payments, purchase agreements, and third-party due diligence reports

Apply risk mitigation strategies and make exception decisions where appropriate, providing clear rationale

Escalate applications above authority limits to senior underwriters or managers with well-supported recommendations

Communicate effectively with internal business partners and external parties such as insurers, appraisers, and solicitors





Manage high volumes of applications while meeting tight turnaround times with a high level of accuracy and quality

Support the servicing of applications through to transition to the funding team

Must-Have Requirements

3-4 years of retail mortgage underwriting experience, primarily residential mortgages

Bilingual (French & English)

Experience with Real Estate Secured Lending (RESL) underwriting

Proven credit decisioning experience with approval authority (up to $1.5M preferred)

Strong experience reviewing and evaluating credit documentation (income, down payment, offers, etc.)

Hands‑on experience making and justifying underwriting exceptions

Solid understanding of credit risk assessment and risk mitigation principles

Nice-to-Have

Completion of underwriting or mortgage broker courses

Strong working knowledge of Outlook and Excel

University degree

Familiarity with Canadian lending rules, regulations, and insurer guidelines

If you are interested & qualified for this chance, please send your updated resume in MS Word format to [email protected]. For other opportunities please visit www.ifg-global.com today!

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📌 Bilingual Underwriter (Manitoba)
🏢 IFG International Financial Group
📍 Manitoba