Mortgage Underwriter; in Western & Atlantic

Position: Mortgage Underwriter (roles in Western & Atlantic )
Mortgage Underwriter (roles in Western & Atlantic Canada)  Underwriting Full Time Canada Remote $70,000 - $85,000 CAD per year
Highclere Capital is a growing mortgage finance company focused on delivering innovative lending solutions to underserved borrowers across Canada. With a sharp eye on compliance, service excellence, and responsible growth, we partner with mortgage professionals to deliver tailored financing with speed and integrity. As a remote-first team, we're building a culture rooted in accountability, collaboration, and a shared commitment to doing the right thing — for our brokers, our partners, and one another.
About the Role
As a Mortgage Underwriter, you are responsible for reviewing and assessing residential mortgage applications submitted by broker partners. This role focuses on accurate document analysis, sound credit decisions, and timely communication with brokers and internal teams to support Highclere's high service standards.
Core Responsibilities
Underwrite mortgage applications in accordance with Highclere's lending guidelines and risk appetite
Analyze documents including income, credit, down payment, and property valuations
Identify red flags and elevate exceptions as needed
Apply insurer and investor conditions with precision
Liaise with brokers to request clarifications or outstanding documentation
Partner with Sales to ensure complete and high-quality submissions
Coordinate with Quality Assurance and AML teams on flagged issues
Liaise with insurer partners (Sagen, CG, CMHC) on insured/insurable applications
Manage a personal pipeline to meet service level expectations
Ensure clear documentation and timely responses to brokers and internal stakeholders
Compliance & Documentation
Maintain audit-ready files with accurate system updates
Stay current on regulatory policies and internal compliance procedures
Participate in AML and compliance training
What You Bring
Must-Have:
3–5 years of residential mortgage underwriting experience
Solid understanding of income verification, credit analysis, and document review
Strong attention to detail and consistent application of underwriting criteria
Proficient in Microsoft Office and familiar with LOS systems
Comfortable working in a remote-first, fast-paced environment
Nice-to-Have:
Experience in Alt-A or non-prime lending
Familiarity with AML procedures and risk detection
Exposure to both broker and institutional lending environments
Bilingual in French is an asset
Why Join Highclere?
Be part of a growing company where your underwriting expertise directly shapes outcomes
Work with a collaborative, broker-focused team that values speed and integrity
Fully remote role with a supportive, accountable culture
Clear expectations and room to grow as the company scales
Additional Information
This role is eligible to participate in the annual bonus program.
Compensation is consistent across all locations for this remote role.
Candidates must be legally eligible to work in Canada.
Highclere Capital is an equal opportunity employer and is committed to creating an inclusive, accessible workplace for all employees. Accommodation is available upon request for candidates taking part in all aspects of the recruitment and selection process, in accordance with applicable accessibility legislation. Any information received relating to accommodation will be addressed confidentially.
Highclere Capital may use AI-enabled tools to help review and organize applications. All hiring decisions are made by qualified members of our recruitment team.