Position Summary

Reporting to the Director of Mortgage Originations, the Underwriter is responsible for recommending customer’s mortgage applications. Including in-depth analysis of document review and managing loan from application to completion stage.

Major Duties & Responsibilities

- Effective “pipeline management” to ensure documentation is received on time.
- Assess up to 4 mortgage applications per day; evaluate broker documentation and recommend or approve mortgage applications by assessing the 5 C’s of credit: credit, capacity, capital, character, and collateral within established HTB guidelines.
- Fulfill all required conditions and communicate remaining conditions with brokers within SLA.
- Provide excellent customer service, including efficient turnaround time to brokers, while building and maintaining positive working relationships.
- Work in collaboration with the Originations unit to ensure targets are being met and exceeded.
- Stay informed of the latest industry knowledge including B20, AML (Anti-Money Laundering) and KYC (Know Your Customer) legislation.





Qualifications & Experience

- University degree or equivalent experience.
- Minimum of 3 years experience underwriting in the residential mortgage lending industry, preferably in the “Near prime and Alt B” business.
- Strong understanding of residential mortgage review, regulatory legislation (B20, AML, KYC) and proven ability to make sound underwriting decisions.
- Proven ability to clearly communicate with mortgage brokers; maintaining successful relationships that include negotiation and sales skills.
- Strong organization, time management and multi-tasking skills.
- Comfortable using Microsoft Outlook, Excel, Word, underwriting and servicing software platforms or Delta 360.
- Bilingual in French is an asset.

Equal Chance & Accessibility

Haventree Bank embraces equal opportunity, diversity, and inclusion. Please let us know if you require any accommodations during the recruitment and selection process by contacting

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📌 Underwriter (Toronto)
🏢 Haventree Bank
📍 Toronto