Mortgage Analyst

What we do  PHL Capital is a Canadian alternative mortgage lender that provides tailored products for borrowers who may not qualify for conventional financing. Partnering with mortgage brokers and investors, we have been offering reliable, transparent, and flexible options, focused on strong relationships, market expertise, and ethical lending practices for 20 years.
Why join PHL  We offer a supportive and engaging work environment where your creativity and skills matter, giving you the opportunity to make a meaningful impact with a passionate team that prioritizes growth for everyone.
Exposure to a diverse alternative mortgage portfolio
Direct interaction with brokers and decision-makers
Opportunity to grow underwriting authority
Collaborative, entrepreneurial environment with a national footprint
Compensation includes a base salary of $70,000 - $90,000 plus generous bonus
Vacation and comprehensive benefit plan (100% covered health, dental, vision care)
RRSP matching
Who we are  Our incredible staff spans three provinces across Canada, coming together as a diverse group of tenured professionals who shape our vibrant workplace culture. We value the individuality of each team member, recognizing that our combined strengths amplify our effectiveness as a unit. At PHL, we foster collaboration, encourage personal growth, and strive to honor our values every day.
Our Values    Passion:
Be All In -  We are all about PHL's success. Bringing our A-game daily, we take pride in our work and have fun along the way.
Trust:
Keep It Real -  Transparency and honesty guide us. We keep our promises, communicate openly, and value the balance of give and take.
Growth:
Always Get Better -  Continuous improvement happens daily. We embrace challenges, learn from feedback, and commit to growing every day.
Teamwork:
Stronger Together -  Collaboration is key. By sharing our knowledge and empowering each other, we achieve amazing results for our clients.
Impact:
Make It Count -  We celebrate great work and are focused on delivering solutions that matter. We hold ourselves accountable and are committed to giving back to the community.

Position Overview  Reporting to the VP, Sales & Origination, the Mortgage Analyst will support the end-to-end underwriting and funding of alternative mortgage loans in Ontario. This role acts as a primary point of contact for mortgage brokers and borrowers, coordinating closely with internal teams and external partners to ensure timely, compliant, and well-documented mortgage transactions. The ideal candidate thrives in a high-volume environment, exercises sound credit judgment, and is eager to grow within alternative lending.

Key Responsibilities  Underwriting & Credit Support
Underwrite residential mortgage applications within the alternative lending space and prepare concise, well-supported mortgage summaries for Credit Committee review.
Review borrower financials, property details, and supporting documentation to assess credit risk and alignment with lending guidelines.
Support commercial or complex files as required.
Deal Execution & File Management
Manage mortgage files from application through funding, ensuring conditions are satisfied accurately and on schedule.
Prepare, organize, and maintain complete, well-documented mortgage files for internal review, funders, and auditors.
Proactively follow up on outstanding documentation for new originations to meet funding timelines.
Stakeholder & Broker Relationships
Act as a primary point of contact for mortgage brokers and borrowers, providing timely updates and clear communication throughout the transaction lifecycle.
Coordinate closely with internal teams and external partners, including legal counsel, to facilitate efficient fundings.
Build and maintain strong working relationships with mortgage brokers and brokerages through daily interaction and participation in industry events.
Compliance & Controls
Ensure all underwriting and administrative activities are completed in accordance with internal policies and applicable provincial and federal regulatory requirements.
Maintain a high standard of accuracy, documentation, and audit readiness across all files.
Qualifications  Education & Experience   1-3 years’ experience in Canadian residential mortgage underwriting or alternative lending; exposure to commercial files is an asset.
Post-Secondary education with an emphasis on business administration, finance or equivalent.
Level 2 Mortgage Agent Licence, or ability to obtain within the probationary period.
Knowledge, Skills & Abilities   Ability to thrive in a high-volume, fast paced and collaborative work environment.
Self motivated with the ability to work remotely from home.
Must live in Ontario to attend industry events.
Excellent interpersonal skills, with the ability to connect and build relationships with various individuals inside and outside the organization.
Exceptional written and verbal communication skills.
Outstanding organizational skills and attention to accuracy and…