This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Souscripteur(trice) hypothécaire based in Canada.

As a Mortgage Underwriter, you will evaluate residential mortgage applications and make sound credit decisions in a high-volume, performance-driven environment. You’ll review credit, income, assets, appraisals, and supporting documentation to identify and mitigate risk while maintaining regulatory and internal compliance. The role combines analytical judgment with a strong customer and broker focus, requiring you to find practical solutions rather than simply decline complex files.

You’ll manage your pipeline end to end, ensuring applications progress efficiently without compromising quality. You’ll work closely with mortgage broker partners and internal teams to resolve issues, clarify information, and keep transactions moving. This is an opportunity for an experienced underwriter to contribute to a growing Quebec-focused team while helping improve the mortgage customer journey.

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Accountabilities:

- Review and adjudicate residential mortgage applications, assessing credit, income, assets, appraisals, and supporting documentation within established lending authorities.
- Apply sound credit judgment to identify, evaluate, and mitigate risks while ensuring compliance with internal policies and applicable regulatory requirements.
- Manage an individual pipeline from application through completion in a high-volume environment, ensuring files are accurate, complete, and processed within required timelines.
- Work proactively with mortgage broker partners to identify missing information, resolve complex situations, provide solutions, and facilitate smooth transactions.

- Maintain highly organized, accurate, and audit-ready mortgage files, ensuring documentation meets established lending and quality standards.
- Balance speed and service with rigorous attention to detail and underwriting quality.
- Look beyond the surface of applications by asking thoughtful questions, investigating inconsistencies, and identifying opportunities to structure viable solutions.





- Collaborate with colleagues and cross-functional teams to move files forward and resolve issues efficiently.
- Support and coach team members by sharing underwriting knowledge, best practices, and practical guidance.
- Identify opportunities to improve processes, increase efficiency, and enhance the overall mortgage customer experience.

- Contribute positively to a dynamic lending environment where priorities and volumes can evolve quickly.

Requirements:

- 3–5 years of experience in residential mortgage underwriting.
- Strong understanding of A-lending practices and residential mortgage credit assessment.
- Experience reviewing and analyzing borrower credit, income, assets, property appraisals, and supporting documentation.
- Demonstrated ability to exercise sound independent judgment within established lending authorities and risk guidelines.

- Strong analytical skills and a naturally investigative approach, with the ability to identify gaps, ask clarifying questions, and understand the underlying circumstances of a file.
- Proven ability to manage a high-volume pipeline independently while maintaining accuracy, quality, and service standards.
- Strong organizational and time-management skills, with the ability to prioritize multiple files and meet transaction deadlines.

- Customer- and solution-oriented mindset, with the ability to build productive professional relationships with mortgage brokers and internal partners.
- Team-oriented approach, including the confidence and willingness to coach colleagues and collaborate across departments.
- Genuine interest in improving the mortgage customer journey and contributing to continuous process improvement.

- Fluency in both French and English is required.
- Experience as an underwriter within a credit union, monoline lender, or similar institutional lending environment is an asset.




- Experience with alternative/B lending or commercial lending is considered an additional asset.

Benefits:

- Fully remote position in Quebec, with a preference for candidates located in the Greater Montreal area.
- Approximately one in-person team day per month.
- Comprehensive health perks, including extended medical, dental, and vision coverage, with 100% prescription drug coverage.
- Annual $1,500 combined health and wellness account for eligible expenses such as gym memberships and additional health-related needs.
- 4 weeks of paid vacation plus 8 floating personal days.
- Group RRSP/DPSP retirement plan with competitive employer matching contributions.

- Access to Dialogue telemedicine services and coverage for registered practitioners.
- Generous supplemental maternity and parental leave benefits.
- Opportunities to develop your career within a growing national financial services organization.

- Supportive, collaborative, and inclusive work environment with opportunities to contribute to continuous improvement.
- Professional exposure to major financial institutions, mortgage partners, and a broad national lending network.
- Commitment to workplace inclusion, equal opportunity, and accessibility throughout the selection process.

nHow Jobgether works:

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

We appreciate your interest and wish you the best!

Why Apply Through Jobgether?

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.

📌 Souscripteur(trice) hypothécaire (Canada)
🏢 Jobgether
📍 Canada