Underwriter, Alternative Mortgages

Join us to build a more rewarding financial future for all Canadians

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

High Performance at Neo: We recruit, hire, and build our company culture around these attributes:

Teamwork
:
We trust, respect, encourage, and show up for each other — through good times and hard. We’re on this mission not just for ourselves, but also for the people we work with — and ultimately, for our customers.

Ownership
:
We all have a stake in Neo’s success — so we go out of our way to do what needs to get done. We hold ourselves accountable to deliver on our commitments — to our customers, to our partners, and to our team. When we fall short, we find a way to do better in the future.

Professional Integrity
:
We’re asking millions of Canadians to trust us with their hard-earned money — so we hold ourselves (and each other) to the highest standards of integrity.

We’re looking for experienced Alternative Mortgage Underwriters who will be responsible for making sound credit decisions, verifying documents and structuring solutions for clients whose needs or circumstances may fall outside of traditional lending criteria from across the country. You’ll take a thoughtful, common-sense approach to underwriting; looking beyond the numbers to understand the full story of each application while balancing customer needs, credit quality and risk.

You’ll work closely with our Mortgage Sales team and third party brokers to identify effective financing solutions and deliver an exceptional customer experience. 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 and enjoy solving complex lending scenarios on a team where growth and opportunities are constant, you’ll fit right in with this team!

• On a daily basis, you will promptly review incoming applications, verify supporting documentation for accuracy and legitimacy, and approve, decline, or refer applications for approval. You will also ensure that approved deals close as scheduled and as efficiently as possible by following up on outstanding conditions/documents and ensuring compliance with established guidelines.

• Review documents including appraisals to ensure they meet established guidelines.

• You will ensure that established Service Level Agreements (SLAs), productivity, and risk/audit parameters are met.

• You will follow up with brokers daily on issued mortgage commitments to maximize funding volumes. You will do this through active pipeline management.

• You successfully deliver mortgages from the application stage through to funding. You communicate clearly and effectively with the Sales team, mortgage brokers, and internal/external partners to ensure they understand the mortgage process, expectations, and required documentation.

• You utilize a hands-on approach and problem-solving skills to make prudent decisions on complex mortgage files.

• You develop subject matter expertise in the functionality and features of products, services, tools, technology, and Salesforce CRM capabilities.

• You remain current on the latest…