Senior Mortgage Underwriter

Accountabilities:

• • Adjudicate residential mortgage applications within established authority limits, applying sound credit judgment and ensuring compliance with regulatory requirements, lending policies, and internal standards.
  • Manage an end-to-end pipeline of mortgage files, balancing speed, accuracy, quality, and service in a high-volume lending environment.
  • Review financial, credit, property, and supporting documentation in detail to identify risks, gaps, inconsistencies, and opportunities for appropriate solutions.
  • Proactively identify missing or unclear information and collaborate with mortgage brokers to resolve complex issues and keep applications progressing toward completion.
  • Provide clear, professional, and solution-oriented communication to broker partners, including when delivering complex or challenging decisions.
  • Ensure all conditions and documentation are properly satisfied before final approval and closing, maintaining rigorous due diligence throughout the underwriting process.
  • Build and maintain strong relationships with brokers and internal stakeholders through responsive, transparent, and consistent communication.
  • Collaborate across departments to move transactions efficiently through the lending process and resolve issues that could affect closing timelines.
  • Identify opportunities to improve underwriting processes, operational efficiency, and customer or broker experience.
  • Support team development through knowledge sharing and mentoring of colleagues when appropriate.
  • Maintain a strong focus on portfolio quality, risk management, regulatory compliance, and consistent underwriting standards.

  Requirements:

  • 5+ years of professional experience in residential mortgage underwriting.
  • Experience working within a Credit Union, Monoline lender, financial institution, or similar institutional lending environment is an asset.
  • Strong knowledge of residential mortgage credit assessment, risk evaluation, lending practices, and supporting documentation.
  • Demonstrated ability to analyze mortgage files thoroughly, investigate inconsistencies, ask effective questions, and identify appropriate solutions rather than relying solely on standard outcomes.
  • Proven ability to manage a high-volume pipeline independently while maintaining strong attention to detail, quality, and turnaround times.
  • Strong organizational and prioritization skills, with the ability to manage multiple files and competing deadlines effectively.
  • Excellent communication and relationship-management skills, particularly when working with mortgage brokers and other business partners.
  • Ability to communicate complex underwriting decisions clearly, professionally, and with a solution-oriented approach.
  • Collaborative mindset with the ability to work effectively across departments and mentor or support other team members.
  • Strong judgment, analytical thinking, problem-solving skills, and attention to detail.
  • Self-motivated and comfortable working autonomously in a remote environment.
  • Bilingual proficiency in English and French is an asset.
  • Commitment to maintaining high standards of regulatory compliance, documentation, risk management, and underwriting quality.

  Benefits:

  • Remote work opportunity available across New Brunswick, Newfoundland and Labrador, Nova Scotia, and Prince Edward Island.
  • Competitive base salary with a variable bonus structure tied to performance.
  • Comprehensive health coverage, including drug, vision, and dental benefits.
  • Health and Wellness Spending Accounts.
  • 24/7 access to telemedicine, Employee Assistance Program (EAP), and mental health services for employees and their families.
  • 4 weeks of paid vacation.
  • 8 flex days plus statutory holidays.
  • RRSP matching program.
  • Maternity and parental leave top-up programs.
  • Education reimbursement and ongoing professional training.
  • Mentoring and opportunities for professional development.
  • Opportunity to work with prominent financial institutions, investment managers, and pension funds.
  • High level of autonomy and exposure within a growing residential lending environment.