About Highclere Capital
Highclere Capital is a growing, Ontario-based mortgage finance company focused on providing innovative lending solutions to underserved borrowers across Canada. With a sharp eye on compliance, service excellence, and responsible growth, we partner with mortgage professionals to deliver tailored financing with speed and integrity. As a remote-first team preparing to open our first office, we’re building a culture rooted in accountability, collaboration, and a shared commitment to doing the right thing—for our brokers, our partners, and one another.

About the Role
The Senior Mortgage Underwriter is responsible for managing complex residential mortgage files and supporting the consistency and quality of Highclere’s credit decisions. This role requires deep underwriting experience, the ability to assess higher-risk or exception-based scenarios, and sound judgment in applying investor and insurer guidelines. Senior Underwriters are trusted to work independently, handle a broader range of deal types, and maintain Highclere’s service standards under pressure.

Core Responsibilities

Underwrite mortgage applications in accordance with Highclere’s lending guidelines and risk appetite

Analyze documents including income, credit, down payment, and property valuations

Identify red flags and elevate exceptions as needed

Apply insurer and investor conditions with precision

Liaise with brokers to request clarifications or outstanding documentation

Partner with Sales to ensure complete and high-quality submissions





Coordinate with Quality Assurance and AML teams on flagged issues

Liaise with insurer partners (Sagen, CG, CMHC), on insured/insurable applications

Support and train new hires as needed

Manage a personal pipeline to meet service level expectations

Ensure clear documentation and timely responses to brokers and internal stakeholders

Compliance & Documentation

Maintain audit-ready files with accurate system updates

Stay up to date on regulatory policies and internal compliance procedures

Participate in AML and compliance training

Skills & Experience
Must-Have Qualifications

5+ years of residential mortgage underwriting experience, ideally with exposure to both prime and non-prime lending

Demonstrated strength in assessing complex or exception-based mortgage scenarios

Robust judgment in balancing risk tolerance, investor conditions, and customer experience

Detail-oriented with a high degree of consistency in decision-making

Proficient in Microsoft Office and experienced with LOS systems

Comfortable working independently in a remote-first, fast-paced environment

Nice-to-Have

Experience in Alt-A or non-prime lending

Familiarity with AML procedures and risk detection

Exposure to both broker and institutional lending environments

Bilingual in French is an asset

The full compensation package will be determined based on the applicant's experience.

Please note that we use AI-powered tools to help screen and evaluate resumes, identifying candidates whose skills and experience best align with the qualifications we're seeking for this role.

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📌 Mortgage Underwriter - Portfolio (Canada Wide) (Manitoba)
🏢 Highclere Capital
📍 Manitoba