Analyze residential mortgage applications using financial documentation and credit assessment skills; working arrangements depend on team and employment terms.

HR Service Jobs seeks a Mortgage Underwriter to assess borrower eligibility and lending risk. The work includes reviewing income, employment, debts, assets, liabilities, credit reports, and property valuations. You will apply lending policies, regulatory requirements, and risk management guidelines while coordinating with processors, loan officers, brokers, and valuation professionals.

Key Responsibilities:

- Review applications against eligibility criteria and underwriting standards
- Verify income, employment, assets, liabilities, and supporting documents
- Evaluate creditworthiness, affordability, debt-to-income, and loan-to-value measures
- Identify discrepancies, incomplete records,



and potential fraud indicators
- Approve, refer, conditionally approve, suspend, or recommend declines

Requirements:

- Preferred bachelor's degree in finance, accounting, banking, economics, or business
- Mortgage, banking, credit analysis, or financial services experience preferred
- Knowledge of lending principles, credit assessment, and mortgage documentation
- Proficiency with Microsoft Excel, Word, email, and document systems
- Robust analytical thinking, numerical accuracy, judgment, and confidentiality

Apply mortgage analysis, documentation review, and evidence-based judgment to support accurate, compliant residential lending decisions.

📌 Mortgage Underwriter Lending Assessment (Canada)
🏢 HR Service Jobs
📍 Canada