Mortgage Underwriter

About This Role

This mortgage underwriter position is for a bilingual professional to join a growing team in Quebec, Canada, with a preference for the Greater Montreal area. The role involves accurately assessing residential mortgage applications, managing a high-volume pipeline, and proactively supporting broker partners. It suits someone with strong credit judgment who thrives in a dynamic lending environment.

Responsibilities

• Examine and analyze residential mortgage applications and supporting documents (credit, income, assets, and appraisals)
• Apply sound credit judgment within established authorization limits to identify and mitigate risks, ensuring compliance with regulatory and internal policies
• Manage files from end-to-end in a high-volume, performance-driven environment
• Ensure applications are completed on time and transactions close as scheduled, without compromising quality
• Act as a proactive partner to broker partners, proposing solutions rather than just rendering decisions
• Detect missing information early and proactively intervene to resolve complex situations, ensuring a smooth client experience
• Maintain organized and impeccable loan files, where every document is verified and compliant with company policies and lending guidelines
• Identify efficiencies and mentor team members, maintaining a positive attitude in a dynamic and evolving lending environment

Requirements

• Minimum 3 to 5 years of experience in residential mortgage underwriting
• Ability to delve into details, ask clarifying questions, and seek solutions rather than accepting a simple 'no'
• Bilingual (French/English)

Important Details

• Work format: remote with approximately one in-person team day per month

About the Company

CMLS Financial has over $45 billion in assets under administration and has been an industry leader for 50 years. It works with major Canadian banks, investment managers, and pension funds, with offices across the country.