SENIOR UNDERWRITER, RESIDENTIAL MORTGAGES | CREDIT & BUSINESS DEVELOPMENT

A dual-mandate opportunity combining residential mortgage credit expertise, broker relationship development and business origination.

THE OPPORTUNITY

Our client is a well-established, highly respected non-bank financial institution with a strong presence in the Canadian mortgage market. They are seeking a commercially minded Senior Underwriter with a dual mandate spanning residential mortgage credit adjudication and business development.

This is a unique opportunity for a senior mortgage professional who combines strong residential credit and underwriting expertise with the ability to build broker relationships, develop referral networks and generate new lending opportunities.

The successful candidate will play an integral role in both evaluating and structuring residential mortgage transactions and driving the growth of the mortgage portfolio. Alongside assessing credit risk and making sound lending recommendations, this individual will actively cultivate relationships within the mortgage broker community, identify new business opportunities and help expand the organization's market presence.

This role is ideally suited to a mortgage skilled who enjoys the analytical and risk-management aspects of underwriting but also thrives on relationship building, business generation and working directly with brokers to structure and secure lending opportunities.

The successful candidate will have the opportunity to make a meaningful contribution to portfolio growth, funded mortgage volume, credit quality and profitability, within an organization that values sound judgment, responsiveness and exceptional service.

KEY RESPONSIBILITIES

Business Development,



Broker Relationships & Mortgage Origination

- Proactively develop current business opportunities and expand the residential mortgage portfolio by establishing, cultivating and strengthening relationships with mortgage brokers, agents and other referral partners.
- Build and manage a network of productive broker relationships, with a focus on generating new mortgage submissions, funded transactions and sustainable business growth.
- Identify, pursue and convert new business opportunities through targeted outreach, broker meetings, networking and active engagement within the mortgage broker community.
- Leverage residential mortgage underwriting expertise to work collaboratively with brokers, assess potential transactions, structure lending solutions and identify opportunities that align with the organization's lending appetite.
- Become a trusted lending partner to mortgage brokers by providing timely credit guidance, practical solutions and responsive service throughout the underwriting and funding process.
- Develop existing broker relationships while actively identifying and onboarding new referral partners to broaden the organization's reach and deal flow.
- Promote the organization's mortgage products, lending programs and underwriting capabilities to prospective and existing broker partners.




- Work collaboratively with senior leadership to develop and execute business development strategies, strengthen market presence and achieve origination and funded-volume objectives.
- Represent the organization at industry events, broker meetings and networking opportunities to build brand awareness and generate new business.
- Identify opportunities to deepen existing relationships, expand lending activity and introduce complementary mortgage or lending solutions, where appropriate.
- Balance business development activities with underwriting responsibilities, ensuring that growth objectives are achieved without compromising credit quality or established risk parameters.
- Assess, structure and adjudicate complex residential mortgage and lending applications within established credit policies, guidelines and delegated lending authorities.
- Analyze borrowers' credit history, income, financial position, debt-servicing capacity, collateral and overall risk profile.
- Underwrite complex and higher-risk transactions, applying sound judgment and a prudent, commercially balanced approach to credit decision-making.
- Structure transactions appropriately, negotiate terms where appropriate, and provide well-supported recommendations for approval or decline.
- Issue mortgage commitments with appropriate conditions and ensure all lending requirements are satisfied prior to funding.
- Manage portfolio risk through consistent, objective and well-reasoned credit decisions, escalating exceptions and higher-risk transactions with clear supporting rationale.
- Underwrite residential mortgage applications originating through retail channels, as well as refinancing and r

📌 SENIOR UNDERWRITER, RESIDENTIAL MORTGAGES | CREDIT (Canada)
🏢 Collins Recruitment Group
📍 Canada