Mortgage Underwriter

Join to apply for the Mortgage Underwriter role at Neo Financial

At Neo, we’re on a mission to build a more rewarding financial future for all Canadians. Life at a rapidly scaling tech startup isn’t for everyone – it’s complex, fast‑paced, high‑pressure, but also incredibly fulfilling. Since its founding in 2019, Neo has gained incredible traction and is one of the fastest‑growing fintech companies in Canada.

• #1 on Deloitte’s Technology Fast 50 for 2023, 2024, and 2025 – the first company ever to achieve a three‑peat at the top!
• #1 Fastest Growing Company in Canada for 2024 by Globe & Mail
• Top‑ranked mobile apps and credit cards
• Team of 500+ people
• 1M+ customers
• 10K+ retail partners

We’re looking for experienced Mortgage Underwriters who will be responsible for reviewing documentation and underwriting deals from across the country. You’ll work closely with our Mortgage Sales team and third‑party brokers to ensure we’re finding the most effective solutions for our customers, and through that you’ll be an integral part of enabling Neo to deliver a full range of financing products and services partnered with an exceptional customer experience.

If you love a fast‑paced environment where growth and opportunities are constant, you’ll fit right in with this team!

• Underwrite complex and high‑value mortgage loan applications, including those with unique borrower profiles or property types.
• Successfully deliver mortgages from the application stage through to funding with the support of your MFO.
• Execute skilled and clear communication with Sales team, mortgage brokers, and internal/external partners to ensure their understanding of the mortgage process, expectations and documentation required.
• Liaise with the Sales team, MFOs, Coordinators and third‑party brokers on status updates for active mortgage files.
• Utilize a hands‑on approach and problem‑solving skills to make prudent decisions on complex mortgage files; if needed, review mortgage documentation.
• Develop subject‑matter expertise in the functionality and features of products, services, tools, technology and Salesforce CRM capabilities.
• Remain current on the latest industry trends to secure a competitive advantage.

• 2+ years of underwriting experience in the Canadian mortgage industry.
• A passion for growth and excellence, consistently striving to deliver the highest quality results in a startup environment.
• Epic focus and energy, with a strong dedication to client service.
• Superior communication skills, both verbal and written.
• Highly organized with exceptional time‑management capabilities.

• This role will be in‑office where possible, but flexible to consider remote candidates who are not located near an office.
• Working hours may be outside a traditional Monday‑to‑Friday, 9am‑5pm MST schedule; this will be determined on an as‑needed basis.

The people who thrive at Neo are resourceful, growth‑oriented, and driven to win. We hold ourselves to high standards because we’re on a mission that matters – to build a more rewarding financial future for all Canadians. As individuals and as a team, we constantly challenge ourselves and each other to raise the bar and deliver exceptional experiences for our customers.

Our commitment to customer success drives everything we do, from building world‑class products to providing exceptional support at every step of their journey.

We trust, respect, and support each other. This means honest conversations, constructive input, and empowering each other to move fast and think big. You’ll be surrounded by people who push you to be your best. We primarily collaborate in person across our Calgary, Winnipeg, and Toronto offices, where ideas move quickly and teams build momentum together. As we continue to scale and evolve, we’re looking for builders, innovators, and problem solvers who thrive on challenge – people who would rather blaze a trail through uncertainty than follow a well‑paved path.

All team members have a stake in Neo’s success and earn meaningful equity through stock options. This ownership mindset is at the heart of everything we do – when Neo grows, we all grow.

We believe in equal opportunity and are committed to creating an inclusive climate where everyone can thrive. Successful candidates for this position will be required to undergo a security screening, including a criminal records check and a credit check.

By continuing with your application, you agree to the Candidate Privacy Notice, which guides how we process your personal information for the purpose of your application.