About This Role
This full-time, permanent remote position is for an experienced Mortgage Underwriter to join a growing mortgage brokerage team. The role involves taking ownership of mortgage files from initial client contact through underwriting, approval, and hand-off to fulfillment, ensuring efficiency, accuracy, and timely communication with clients and lenders. It suits a highly organized and detail-oriented mortgage professional who can work independently and become a trusted, long-term member of a close-knit team.
Responsibilities
- Review introduction-call notes and take ownership of assigned mortgage files
- Underwrite new pre-approval applications and live mortgage deals
- Review borrower documentation and assess files for completeness, accuracy, and qualification
- Determine appropriate lender and product options based on the borrower's circumstances
- Research lender guidelines and product requirements when needed
- Identify outstanding documentation and requirements and proactively follow up
- Submit files to lenders and follow up to ensure approvals are issued promptly
- Manage lender conditions, exceptions, escalations, deadlines, and closing dates
- Monitor multiple active files and reprioritize quickly as urgent matters arise
- Communicate professionally with clients, lenders, lawyers, and internal team members
- Respond to client questions and provide clear updates throughout the underwriting process
- Review upcoming files with team members and identify what is required to move files forward
- Confirm lawyer instructions and required documentation have been issued for upcoming closings
- Monitor scheduled closings and follow up on files that have not closed as expected
- Complete a thorough hand-off to Fulfillment once the underwriting stage is complete
- Maintain accurate and organized file records and ensure consistent follow-through
- Participate in regular team meetings to review active and live deals
Requirements
- Mortgage Agent Level 1 license or higher, with licensing status verified through FSRA
- Previous mortgage underwriting experience with the ability to assess independently and manage files
- Strong knowledge of mortgage products, lender guidelines, qualification requirements, and current lending practices
- Experience using Velocity is required
- Excellent written and verbal communication skills
- Strong attention to detail and accuracy
- Exceptional organization and follow-through
- Ability to manage multiple files and competing deadlines in a fast-paced environment
- Strong independent judgment and decision-making skills
