Mortgage Underwriter (Calgary/Hybrid)

Alberta Motor Association; Calgary; Remote; CAD 65,000 - 90,000; Full time

Benefits offered by this job

Flexible benefits

Retirement savings program

Travel medical insurance for family

Job summary

Bridgewater Bank, a Bridgewater entity, seeks an experienced Mortgage Underwriter to review loan applications, assess property and borrower risk, and ensure underwriting standards are met. You will collaborate with Brokers and the Service team, perform due diligence, and support pricing decisions for renewals.

You are a strong communicator with analytical skills, experienced in mortgage underwriting, and comfortable working remotely.

Qualifications

• Post-secondary education or related experience.
• 2–3 years of experience in a financial institution (mortgage underwriting preferred).
• Proficiency with MS Office, LMS, and related software.
• Strong communication and analytical skills.

Responsibilities

• Review mortgage loan applications and determine eligibility within underwriting standards.
• Conduct Pre-Fund Quality Assurance Reviews and internal/external audits as required.
• Apply due diligence using validation tools and search engines.
• Identify suspicious documents and escalate appropriately.
• Build relationships with Brokers and partners to support deals.
• Provide pricing on mortgage renewals to ensure profitability.

Skills

Excellent communication

Analytical thinking

Credit knowledge

Multi-tasking

Collaboration

Education

Post-secondary education in business/commerce/finance

Tools

MS Office

LMS

Job description

PAPERWORK is NO match FOR YOU.The OpportunityYou’ve always been the kind of person who looks at the world from every angle. You’re a natural trouble-shooter who can spot the red flag that everyone else missed. But behind all the analysis, the paperwork and the technology, you never forget that there are people who’ll be affected by your decisions.The Team You’ve Been Looking ForBridgewater Bank is more than a financial institution; we’re a team of passionate people who care deeply about helping others succeed. Unlike traditional banks, we have no branches. This means less time managing logistics and more time focused on providing straightforward, honest service and smart financial solutions that support our clients in reaching life’s biggest milestones.As a wholly owned subsidiary of AMA, we share a proud legacy of service and a commitment to doing the right thing for our customers, our communities, and each other. At Bridgewater Bank, you’ll be part of a nimble, forward-thinking organization where your ideas matter, your contributions are valued, and your growth is encouraged. We’re driven to make a positive impact and our close-knit culture values flexibility, innovation, and genuine connection. As part of the Bridgewater team, you’ll enjoy:Competitive salary and flexible benefitsEmployer-paid retirement savings programEmployee-exclusive discounts on travel, insurance, memberships, and moreFree travel medical insurance for you and your immediate familyOngoing professional developmentFlexible work models that make sense for your lifestyle, including our four-day work week option. Alongside other work models, this option gives you another way to harmonize work and life in a way that's personally meaningful and aligned with your role. Available to eligible fully in-office and fully remote roles, with tailored guidelines to fit department-specific needs. Requires a 12-month commitment.For us, curiosity fuels innovation. We value people who are eager to explore new ideas and who are comfortable putting emerging technologies into practice. We see experience with AI‑powered tools like ChatGPT, Copilot, and similar platforms as a real plus - especially when it’s used to work smarter, increase efficiency, and find better ways to get things done.Who You AreYou may be trained to be alert to any potential risks, but you also believe that everyone deserves a fair shot at being a homeowner and you’ll explore every avenue and angle when assessing an application.You’re an excellent communicator who listens when people talk; and when you talk, people listen.You’re a born analyst and love the idea of digging deep to find every little detail.You’re a mad multi-tasker, able to juggle projects and deadlines with ease. You know how things get done (and how to get others to help you along the way!).You know your stuff when it comes to dealing with credit.You work well on your own but also love being part of and collaborating in a team environment.How You’ll Make an ImpactReport to Team Lead, Underwriting.Approve or decline mortgage loan applications, within lending limit authorities, in order to meet established deadlines and quality standards.Review loan documents to determine if the buyer, property and loan conditions meet mortgage underwriting standards.Conduct Pre-Fund Quality Assurance Reviews, Post Fund Internal and External Audits to ensure mortgages are within internal and regulatory guidelines.Apply Due diligence when processing applications and reviewing documents. Utilization of additional search engines and tools provided for validation.Identify suspicious scenarios or documents, investigate, and escalate accordingly.Build positive relationships with Brokers and other partners.Assist the Service team with insight on high-risk deals including declines.Provide pricing on all mortgage renewals to ensure profitability and consistency.Serve as escalation point for Brokers and Business Development Managers.What You Bring to the TableYou have a post-secondary education in a relevant field (e.g. business/commerce, business management, finance, etc.) or other related experience.You have at least two to three years of experience in a financial institution (preferably in mortgage underwriting).You’re comfortable with various software applications, such as MS Office, LMS, etc.Belonging Matters HereBridgewater Bank is committed to providing an inclusive, respectful, and accessible environment. If you require an accommodation at any time during our recruitment process, please contact [e-mail]. We’ll work with you feel supported throughout your journey with us.-WORK MODEL:Remote-We thank all applicants for their interest; however, only those selected for an interview will be contacted.