Senior Mortgage Underwriter

nesto is Canada’s leading digital residential mortgage lender, offering Canadians the lowest rates from the get-go — with total transparency and no haggling.

As Canada's pioneer in online mortgage lending, nesto is transforming the way Canadians finance their homes. Our mission is to offer a positive, empowering, and transparent property financing experience, simplified from start to finish.

Borrowers benefit from rates that are often lower than those offered by the big banks, along with an exceptional end-to-end mortgage experience powered by best-in-class AI technology. Fast, simple, and fully digital, nesto has been recognized as CLA Lender of the Year for three consecutive years. That's the bright side of mortgages.

Nesto Group is Canada's leading provider of mortgage technology and financing solutions, with more than CAD $80 billion in residential and commercial mortgages under administration. Trusted by many of the country's leading financial institutions, we combine over 50 years of mortgage expertise with proprietary cloud and AI technology to transform the future of lending.

Powered by our proprietary cloud and AI technology, nesto has become one of Canada's fastest-growing mortgage lenders, gaining market share across direct-to-consumer (D2C) residential lending, the broker channel, and multi-family commercial lending. Recognized as one of Deloitte's Fast 50 companies for three consecutive years, we continue to push the industry forward through innovation, technology, and customer-focused solutions.

Operating through our family of brands— CMLS, nesto, and Nesto Cloud —our mission is to build Canada's mortgage ecosystem of the future and create a true Canadian champion in lending technology and financial services. Learn more at:

At nesto, we're passionate about challenging the status quo and building a better mortgage experience and saving money on their mortgages for Canadians. We foster a culture of collaboration, transparency, and creativity where every team member is empowered to take ownership, make an impact, and grow. If you're looking to solve meaningful problems alongside ambitious, supportive teammates, you'll feel right at home here.

• Adjudicate with Precision & Insight: Review and analyze residential mortgage applications and supporting documentation (credit, income, assets, and appraisals). You will apply sound credit judgment within established authority limits to identify and mitigate risk while ensuring full adherence to regulatory and internal policies.
• Take Ownership of the Pipeline: Manage your end-to-end file pipeline in a high-volume, high-performance environment. You are responsible for ensuring applications are completed within specific time frames and that deals close on schedule without sacrificing quality.
• Deliver Solutions & Support: Act as a proactive partner to our broker partners. You don't just provide decisions; you provide solutions. You'll identify missing information early and engage proactively to resolve complex issues, ensuring a frictionless journey for the client.
• Maintain the "Done Right" Standard: Cultivate a culture of rigorous due diligence. You will maintain organized, airtight loan files where every document is verified and aligned with company policies and lending guidelines.
• Drive Continuous Improvement: Beyond daily underwriting, you will identify process efficiencies and mentor team members, maintaining a "can-do" attitude that thrives in a fast-paced, evolving lending landscape.

• Minimum 5 years of experience in residential mortgage underwriting.
• You don't take files at face value. You are the type of underwriter who digs into the details, asks clarifying questions, and looks for the…