Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, EdenPark and Fig.

Home Trust

Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial.

The Residential

Underwriter will adjudicate mortgage applications by assessing prospective clients in accordance with the 5 C’s (Capacity, Capital, Collateral, Character, and Conditions). Assessing risk and ensuring all applications adhere to both quality and service standards remain the overarching focus for this role. Risk and Compliance (40%) Make prudent credit decisions on complex mortgage files Receive, review, analyze and verify mortgage applications for completeness, accuracy, suitability and risk to ensure compliance with all aspects of Home Trust Company’s underwriting policies, procedures and guidelines per delegated authority matrices Adhere to applicable compliance obligations including Privacy, Anti-Money Laundering/Anti-Terrorist Financing and internal Anti-Fraud Policy requirements Maintain consistent, objective and sound risk assessments in a high volume, service-oriented environment Analyze and underwrite residential mortgage applications, including an assessment of the borrower, real estate security and loan terms as well as identifying any associated risk Pipeline and SLA Management (20%) Manage work volumes to meet short timelines,



build and maintain exceptional customer service levels in a high-volume environment Work effectively with all internal and external business partners to underwrite quality transactions and provide a high level of service Lead by example and provide daily feedback and coaching to team members including Mortgage Officers Assist in training and onboarding new hires Negotiate, recommend and approve loan terms within Home Trust’s risk appetite Prepare and issue conditional mortgage commitments according to negotiated and approved terms, which outline all conditions that must be met to Home Trust’s satisfaction Review and verify the accuracy and completeness of required documentation submitted by the broker as required on more complex files 3-5 years mortgage lending experience Robust understanding of residential mortgage products Communicates effectively, both in speaking and writing, with a high degree of proficiency.

Knowledgeable in the use of loan origination software. Proficient in Microsoft Office Suite, demonstrating strong capabilities in its applications. Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well-being.

Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance.

Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue.

Group Retirement Savings

Plan with up to 7% employer match. On-Site Fitness: Gym access at our London and Montreal offices.

Education Assistance Program and Fairstone Academy for training and skill development. Parental leave top-up program to help you during life’s big moments. If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application.

Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence. Full time Permanent #

📌 Residential Underwriter, Montreal - Home Trust Company
🏢 Fairstone Bank
📍 Montreal