Mortgage Underwriter & Fulfillment Specialist

The HR Pro.ca; Calgary; Remote; CAD 90,000 - 130,000; Full time

Job summary

The HR Pro.ca is seeking an experienced Mortgage Underwriter & Fulfillment Specialist to own mortgage files from underwriting through funding. The role focuses on underwriting, lender submission, fulfillment, compliance, and file management in a fully remote setup across Canada, with Alberta licensure preferred.

The ideal candidate brings 10+ years in mortgage fulfillment or underwriting support, strong attention to detail, and excellent communication.

Qualifications

• 10+ years in mortgage fulfillment or underwriting support.
• Deep understanding of mortgage process from application to funding.
• Experience with lender submissions, conditions, documentation, and fulfillment.
• Familiarity with A, B, alternative, private, and credit union lending.
• Strong attention to detail, compliance, and file quality.
• Excellent organizational and time management skills.
• Strong written and verbal communication skills.
• Ability to work independently in a fully remote environment.
• Proactive, resourceful, and solution-oriented approach to problem solving.
• High level of professionalism and commitment to client service.

Responsibilities

• Review mortgage applications and conduct thorough reviews for completeness, accuracy and lender guideline compliance.
• Identify potential concerns or documentation gaps early in the process.
• Structure the mortgage and recommend suitable product, lender, and financing strategy.
• Prepare high quality lender submissions with complete, accurate files that tell the client's story.
• Provide underwriting insight on self-employed, rental, and complex lending scenarios.
• Submit mortgage applications through lender and broker platforms.
• Manage lender communication, conditions, and follow-up requirements.
• Coordinate documentation with clients and third parties.
• Monitor timelines and move files toward approval and funding.
• Ensure compliance, documentation and audit readiness of files.
• Maintain organized records and file documentation throughout the process.
• Troubleshoot challenges to keep transactions progressing smoothly.
• Serve as a key client contact and deliver timely updates throughout the process.

Skills

Mortgage underwriting

Fulfillment management

Lender coordination

Compliance knowledge

Documentation handling

CRM management

Client communication

Time management

Job description

Our client is an independent mortgage brokerage based in Alberta. The brokerage focuses on providing clients with expert guidance, access to multiple lending options, and a seamless mortgage experience from start to finish while building long term relationships.

This is not a sales role.

Instead, this opportunity is ideal for an experienced mortgage professional who enjoys the operational side of the business -coordinating mortgage fulfillment activities, managing lender conditions, maintaining compliance standards, supporting client communication, and ensuring mortgage transactions move efficiently from application through funding. Strong mortgage underwriting knowledge is important, as are skills in fulfillment, file management, compliance, and lender coordination.

The successful candidate will play a key role in supporting clients, lenders, and referral partners by managing the underwriting, fulfillment, documentation, and compliance requirements necessary to deliver a seamless mortgage experience.

This is a fully remote position. While we welcome applications from across Canada, preference will be given to candidates located in Alberta.Candidates outside Alberta must be licensed in Alberta.

The Role

As the Mortgage Underwriter & Fulfillment Specialist, you will take ownership of mortgage files following the initial client consultation and support them through file review, underwriting, lender submission, fulfillment, compliance, and funding.

While this role includes reviewing and assessing mortgage applications, a significant portion of your time will be focused on underwriting, lender submission, fulfillment, compliance and funding.While this role includes reviewing and assessing mortgage applications, a significant portion of your time will be focused on underwriting, lender coordination, document collection and management, condition fulfillment, compliance and ensuring files progress efficiently through the mortgage process.

You will also serve as a key point of contact for clients and lending partners, helping deliver a professional, responsive, and organized experience from submission through funding.

In addition to supporting active mortgage files, you will assist with CRM management, workflow coordination, document collection, and the overall organization of the business.

Key Responsibilities

• Review mortgage applications and conduct a thorough review of each application for completeness, accuracy and lender guideline compliance.
• Identify potential concerns or documentation gaps early in the process
• Structure the mortgage and recommend the most suitable mortgage product, lender, and financing strategy based on the client's goal and qualifications.
• Prepare high quality lender submissions and present complete, accurate, and well structured files that clearly tell the client's story and support the approval request.
• Provide underwriting insight on self-employed, rental, alternative, and more complex lending scenarios as required
• Ensure files are complete, logical, and positioned for successful lender review

Fulfillment, Compliance & Lender Coordination

• Submit mortgage applications through lender and broker platforms
• Manage lender communication, conditions, and follow-up requirements
• Coordinate outstanding documentation with clients and third parties
• Monitor timelines and proactively move files toward approval and funding
• Ensure files meet compliance, documentation, and audit requirements
• Maintain accurate records and organized file documentation throughout the process
• Troubleshoot challenges and identify solutions to keep transactions progressing smoothly

Client Communication & File Coordination

• Serve as a key point of contact for clients throughout the mortgage process
• Provide timely updates and maintain proactive communication
• Coordinate document collection and outstanding requirements
• Support clients through the fulfillment process from submission to funding
• Ensure a positive, professional, and organized client experience
• Assist with post-funding follow-up activities as required

Systems, Processes & Administration

• Maintain accurate and organized electronic files
• Support CRM management, workflow tracking, and file progression
• Help improve systems, efficiencies, and operational workflows
• Support client communication processes and follow-up activities
• Contribute to the overall organization and efficiency of the business

What Success Looks Like

• Mortgage files are processed accurately and efficiently from submission through funding
• Documentation is complete, compliant, and lender-ready
• Lender conditions and deadlines are managed proactively
• Clients receive timely communication and professional support throughout the process
• Files move forward with minimal oversight
• Systems, records, and workflows remain organized and up to date
• The successful candidate becomes a trusted and reliable extension of the business

Requirements

• Minimum 10 years of experience in mortgage fulfillment, underwriting support, mortgage administration, or mortgage operations within the Canadian broker channel
• Strong understanding of the mortgage process from application through funding
• Experience working with lender submissions, conditions, document collection, and fulfillment activities
• Familiarity with A, B, alternative, private, and credit union lending environments
• Working knowledge of mortgage underwriting principles and lender guidelines
• Experience reviewing income documentation, credit reports, and supporting mortgage documentation
• Strong attention to detail with a focus on accuracy, compliance, and file quality
• Excellent organizational and time management skills
• Strong written and verbal communication skills
• Ability to manage multiple files and competing priorities simultaneously
• Comfortable working independently in a fully remote environment
• Proactive, resourceful, and solution-oriented approach to problem solving
• High level of professionalism and commitment to client service

Preferred Qualifications

• Active Mortgage Agent or Mortgage Broker license in Alberta
• Experience working with self-employed borrowers, rental property financing, and alternative lending scenarios
• Exposure to commercial or development financing
• Experience supporting a high-volume mortgage professional or brokerage environment