Team Mortgage Underwriter Ontario

This is a remote position.

With established systems and steady deal flow this role offers the opportunity to gain exposure to a wide range of files while working closely with an experienced team.

The Role: The Mortgage Underwriter is responsible for reviewing and structuring mortgage applications submitted by agents within the brokerage. This is a hands-on underwriting role ideal for someone mid-stage in their career who is comfortable working in a multi-lender environment and managing multiple files at once.

You will play a key role in ensuring files are accurate complete and positioned for successful submission and approval. This role is primarily focused on supporting agent-submitted files and working behind the scenes to structure and prepare deals for lender submission rather than direct client-facing mortgage advising. This role is a full-time permanent and fully remote position.

• Application Analysis: Review borrower applications including income documentation credit bureau and property details to assess overall file strength and completeness before submission.
  

• Income Assessment: Evaluate various income types including salaried hourly and self-employed / declared income using supporting documentation such as bank statements NOAs and financials.
  

• Guideline Alignment: Compare application details against lender guidelines to determine suitability and identify potential concerns early in the process.
  

• Deal Structuring: Recommend appropriate lenders and deal structure based on borrower profile income type credit strength and overall risk positioning.
  

• Risk Identification (Early Triage): Identify inconsistencies missing documentation or potential deal killers early and work with agents to address gaps before submission.
  

• File Readiness: Ensure files are complete logical and submission-ready with a clear narrative for the lender.
  

• Agent Collaboration: Work closely with mortgage agents to clarify missing information confirm details and guide files toward a clean and complete submission.
  

• Submission Preparation: Support the preparation of lender submissions through platforms such as Velocity or Filogix ensuring documentation and notes are accurate and aligned.
  

• Lender Communication: Communicate with lenders to confirm requirements respond to questions and help move files forward efficiently.
  

• Condition Awareness: Review and interpret lender conditions at a high level ensuring agents understand requirements and next steps.
  

• File Progression: Proactively follow up on outstanding items to keep files moving and avoid delays.
  

• Clear Communication: Provide concise accurate and timely communication to both agents and lenders ensuring alignment and minimizing back-and-forth.
  

• FSRA Compliance: Ensure all files are handled in accordance with FSRA regulations and brokerage compliance standards.
  
• KYC (Know Your Client): Support the verification of borrower identity employment and financial profile to ensure accuracy and completeness.
  
• AML / FINTRAC Awareness: Maintain awareness of Anti-Money Laundering (AML) requirements and escalate any inconsistencies red flags or unusual activity as required.
  
• Document Review & Integrity: Review documentation for consistency completeness and authenticity identifying discrepancies across income credit and application details.
  
• Fraud Awareness: Maintain a high level of diligence when reviewing documents to help prevent potential mortgage fraud or misrepresentation.
  
• File Documentation & Audit Readiness: Ensure all notes documents and file updates are clearly recorded and organized for internal tracking and potential audit review.
  
• Process Adherence: Follow internal workflows checklists and documentation standards to ensure consistency across all files.
  

• 1-3 years of mortgage underwriting experience within a brokerage or lender environment
  
• Experience working with multiple lenders in a brokerage setting
  
• Strong knowledge of Canadian mortgage products lender guidelines and compliance requirements.
  
• Familiarity with self-employed borrowers including income review and declaration-based files
  
• Proficiency with Velocity Filogix or similar mortgage submission platform
  
• Experience using Google Workspace (Docs Drive Gmail) or similar tools
  
• Strong understanding of FINTRAC AML and mortgage compliance requirements
  
• High attention to detail with a focus on documentation accuracy and file completeness
  
• Strong communication and active listening skills particularly when working with agents
  
• Ability to manage multiple files in a fast-paced high-volume environment
  
• Highly organized proactive and solution-oriented