Commercial Mortgage Underwriter

About the role:

Risk and Compliance

• Receive, review, analyse and verify mortgage applications for completeness, accuracy, suitability and risk to ensure compliance with all aspects of Home Trust Company’s underwriting policies, procedures and guidelines per delegated authority matrices
• Adhere to applicable compliance obligations including Privacy, Anti‑Money Laundering/Anti‑Terrorist Financing and internal Anti‑Fraud Policy requirements
• File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity. Maintain consistent, objective and sound risk assessments in a high volume, service‑oriented environment

• Make prudent credit decisions on complex mortgage files
• Negotiate loan terms according to assessed risk and to meet the interests of the client and Home Trust
• Prepare files and recommend mortgage deals for final approval
• Maintain accurate information and detailed notes on applications, prepare and issue conditional mortgage commitments outlining all conditions that must be met to Home Trust’s satisfaction
• Issue mortgage commitment according to negotiated and approved terms

• Adhere to defined Service Level Agreement in acknowledging applications and following up on additional required information
• Work effectively with all internal business partners to improve underwriting systems to maximize effectiveness and achieve excellence
• Remain current on latest developments within industry and market trends to secure competitive advantage

• Post secondary degree or diploma required (University degree preferred) in related area
• Preference will be given to those candidates with previous experience making direct submissions to CMHC Multi Res Team
• 3-5 years with mortgage lending
• Strong understanding of commercial mortgage products
• Proficient in adjudicating credit, reviewing and assessing third party reports

• Award‑Winning Culture: We’re proud to be recognized as a and one of by Canada’s Top 100 Employers.
• Work‑Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.
• Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well‑being.
• Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance.
• Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue.
• Future‑Ready Savings: Group Retirement Savings Plan with up to 7% employer match.
• Exclusive Perks: Discounts from top retailers via Work Perks, plus location‑based perks like gym memberships and Toronto Bike Share.
• On‑Site Fitness: Gym access at our London and Montreal offices.
• Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.
• Family Support: Parental leave top‑up program to help you during life’s big moments.
• Community Impact: One paid volunteer day to give back to causes that matter to you.

• Expected base salary range is $75,000 - $85,000, plus the opportunity to earn an annual incentive bonus tied to performance.
• This posting is for an existing vacancy within our organization.
• Artificial intelligence may be used in parts of the recruitment process.
• All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire.

If what you read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for first stages of the interview process.