Mortgage Underwriter

Position Title:
Underwriter

Position reports to:
Manager, Underwriting

Position status:
Permanent full time

Location: Calgary, Alberta (Hybrid)

Work hours: Monday - Friday 8am - 5pm (40 hours/week)

Calvert Home Mortgage (CHMIC) is a full-service alternative mortgage investment firm that supports homeowners, investors, and brokers to achieve their goals by seeing the person behind every mortgage. We are on a mission to be the most trusted lending solution in Canada by putting people first, focusing on their success, and always doing the right thing.

Simply put, our team is the best in the business. Our expertise and experience are unrivalled
-but it’s our caring approach that really sets us apart.

Calvert’s longevity and continued success is due to our shared sense of purpose and the understanding that relationships are far more important than transactions. We were founded on the principle of "kitchen table lending"
-taking the time to build trust by listening to our customers, understanding their unique needs and goals, educating them on their options, and finding a solution that’s right for them. That might sound obvious but, in our experience, it’s not the norm.

We are looking for an experienced private/alternative Mortgage Underwriter to be a part of an exciting growth-focused company who truly cares about its employees. At Calvert Home Mortgage we are champions of a culture that creates a positive work environment, which will allow you to thrive and be a contributor to the long-term success of the company.

At Calvert Home Mortgage we offer competitive salaries, a bonus program, share ownership, extended health and dental benefits, a free on-site fitness facility, a location that avoids the downtown commute and free parking.

You already know that alternative lending isn’t about checking boxes. Every file has a story, and great underwriting means knowing which questions to ask, where the real risk sits, and how to find a solution that makes sense for both the borrower and the lender.

That’s where you come in.

As an Underwriter at Calvert, you’ll use your experience and judgment to assess mortgage applications, structure solutions, and make sound lending decisions in an environment where no two files are quite the same. You’ll work closely with brokers and our internal teams to move deals forward while balancing responsive service and responsible lending.

We’re looking for someone who already understands the pace, complexity, and creativity of private and alternative mortgage lending and is ready to continue building their expertise, lending authority, and impact.

We work as trusted advisors, providing short-term lending solutions for the personal and financial success of our clients. Underwriters collaborate with business development, valuation, funding, and other teams to understand each file, apply our lending policies, and make timely decisions. We value thoughtful judgment, clear communication, and a proactive approach in a fast-paced environment.

You will bring the following experience and strengths:

• A minimum of 2 years of direct mortgage underwriting experience within the private or alternative lending space. This is a requirement for the role.
• Demonstrated experience reviewing and adjudicating mortgage applications, including assessing borrower credit, capacity, collateral, property information, and overall lending risk.
• Experience making and documenting lending decisions within assigned authority and escalating or recommending files outside of authority limits.
• Knowledge of mortgage lending laws and regulations and a strong understanding of underwriting policies, procedures, and due diligence requirements.
• Sound research, analysis, and…