Mortgage Underwriter

Secure Capital MIC; Ontario; On-site; CAD 75,000 - 95,000; Full time

Job summary

A prominent Mortgage Investment Corporation in Ontario is seeking an experienced Mortgage Underwriter to join their team. The role involves reviewing mortgage applications, assessing compliance with regulations, and making sound credit decisions. Ideal candidates should have a minimum of 3 years in mortgage underwriting and strong knowledge of mortgage regulations and real estate market trends. This full-time position offers a competitive salary and performance incentives.

Benefits

Competitive salary and performance-based incentives

Supportive team environment

Impact on clients and investors

Qualifications

• Minimum 3 years of experience in mortgage underwriting, preferably within a MIC or private lender.
• Strong knowledge of mortgage regulations, underwriting standards, and real estate market trends.
• Proficiency in interpreting credit reports, appraisals, income documents, and legal agreements.

Responsibilities

• Review and assess mortgage applications for compliance with internal guidelines.
• Analyze applicant creditworthiness, income stability, and collateral quality.
• Conduct risk assessments and make recommendations for approval or decline.

Skills

Mortgage underwriting experience

Knowledge of mortgage regulations

Attention to detail

Analytical skills

Communication skills

Tools

Underwriting software

CRM systems

Job description

Secure Capital MIC is a leading Mortgage Investment Corporation dedicated to providing flexible, alternative mortgage solutions to our clients while delivering strong, consistent returns to our investors. We pride ourselves on our integrity, efficiency, and commitment to excellence in every transaction.

Overview

We are seeking an experienced Mortgage Underwriter to join our dynamic team. The successful candidate will be responsible for reviewing, analyzing, and making sound credit decisions on mortgage applications in accordance with Secure Capital MIC’s policies, regulatory guidelines, and risk appetite.

Responsibilities

• Review and assess mortgage applications for compliance with internal guidelines, underwriting policies, and industry regulations.
• Analyze applicant creditworthiness, income stability, collateral quality, and debt service ratios.
• Conduct risk assessments and make sound recommendations for approval, decline, or modifications.
• Collaborate with mortgage brokers, agents, and internal stakeholders to clarify requirements and obtain necessary documentation.
• Ensure all applications are processed within established turnaround times without compromising quality.
• Maintain accurate and complete records in the underwriting system.
• Stay current on mortgage industry trends, regulations, and lending practices.

Qualifications

• Minimum 3 years of experience in mortgage underwriting, preferably within a MIC or private lender.
• Strong knowledge of mortgage regulations, underwriting standards, and real estate market trends.
• Proficiency in interpreting credit reports, appraisals, income documents, and legal agreements.
• Excellent attention to detail, analytical skills, and decision-making ability.
• Strong communication skills with the ability to work collaboratively across teams.
• Familiarity with underwriting software and CRM systems is an asset.

Why Join Secure Capital MIC?

• Competitive salary and performance-based incentives.
• Opportunity to work with a forward-thinking and supportive team.
• A role where your expertise directly impacts our clients and investors.

How to Apply

Interested candidates are invited to send their resume and a cover letter to [e-mail] with the subject line: Mortgage Underwriter Application – [Your Name].

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Finance and Sales