Bookkeeper, Mortgage & Trust Accounting

Remote (Canada), or hybrid from our Kelowna, BC head office · Full time, permanent · Reports to the Manager of Financial Services

Pay: $60,000 – $75,000 per year + company bonus program

About Shelter Lending

Shelter Lending is a Kelowna-based private mortgage lender helping homeowners across Western Canada. We were founded in 2015 as Northern Alliance and became Shelter Lending in 2019. Today we originate and manage residential mortgages for Northern Alliance Trust, our mortgage investment fund.

We believe everyone deserves a fair shot at a home, and that the investors who fund those homes deserve to have their capital handled with care. We have big goals, we work hard, we have fun, and we protect a healthy work-life balance.

The role

We're looking for an experienced Bookkeeper who keeps our mortgage and trust books clean, balanced and audit-ready every day. You'll own the day-to-day accounting for a growing portfolio of residential mortgages: fundings, payments, payouts, discharges and the trust accounts behind them.

This is a hands-on role on a small, close-knit team. Your work directly protects our borrowers, our investors and our reputation, so accuracy and integrity matter more than anything.

What you'll do

- Mortgage and trust accounting: Record every mortgage transaction, including fundings, advances, disbursements, payouts and discharges, and keep borrower loan accounts accurate.
- Payments and receipts: Process and post incoming mortgage payments, NSFs, borrower payouts, renewal fees and other fee receipts on time.
- Reconciliations: Complete daily cash and monthly trust account reconciliations, and reconcile Mortgage Automator to QuickBooks Online.
- General ledger: Post journal entries,



maintain the general ledger and prepare the books to trial balance.
- Payables and receivables: Manage AP and AR, including vendor payments, lawyer trust transfers and protective disbursements.
- Month-end and year-end: Prepare month-end close packages and support year-end with our external accountants.
- Reporting: Produce regular financial and portfolio reports for management and the fund.
- Compliance and audit: Keep records audit-ready, support internal and external audits, and help us meet our obligations to BCFSA, FINTRAC and CRA.
- Teamwork: Work closely with our mortgage administration and underwriting teams to make sure funding and payout documents line up with the books.

What you bring

- Experience: 3–5+ years of bookkeeping, including hands-on work in mortgage lending, a mortgage investment fund, a lending portfolio, or real estate or financial services back-office operations.
- Education: An accounting diploma, certificate or degree, or equivalent professional experience. A CPA designation in progress is an asset.
- Software: Advanced QuickBooks Online and solid Excel. Experience with Mortgage Automator or a similar loan servicing platform is a big plus.
- Know-how: A working knowledge of trust accounting, ASPE or IFRS bookkeeping principles, GST, and anti-money-laundering record-keeping.
- Character: Exceptional attention to detail, rock-solid integrity and discretion, and clear communication with teammates, lawyers,



borrowers and vendors.

What moves you

- A ledger that balances to the penny gives you real satisfaction, and a $0.01 variance won't let you sleep until you find it.
- You know that behind every loan is a family's home, and behind every dollar is an investor's trust.
- You like order and routine, but you stay calm and focused when month-end and a busy funding week land at the same time.
- You ask good questions, explain numbers in plain language, and enjoy making a process cleaner than you found it.
- You work well on your own and love being part of a team that has each other's backs.

What you'll get

- A salary of $60,000 – $75,000, depending on experience, plus our company bonus program
- Health and dental benefits
- Work fully remote, or hybrid from our Kelowna office
- A flexible schedule and an extended Christmas break
- Room to grow with a company that's growing, plus ongoing learning opportunities
- Opportunities to invest alongside us

Our core values

- Fair and honest: We act with honesty and fairness, using a common-sense approach.
- Solutions and creativity: We solve problems by asking good questions and thinking creatively.
- Decisive and purposeful: We make decisions quickly and follow through.
- Respect and value: We respect and value everyone we work with: investors, staff, brokers and borrowers.
- Thankful and grateful: We're grateful for what we've been given, and we choose to give back with our time and resources.

How to apply

Apply through LinkedIn with your resume and a short note telling us about your mortgage or trust accounting experience. We review applications as they come in.

We thank everyone who applies. Only candidates selected for an interview will be contacted.

📌 Bookkeeper (Kelowna)
🏢 Shelter Lending
📍 Kelowna