Mortgage Underwriter, Third Party Residential Underwriting – TDMS ON and Atlantic

First National Financial LP; Toronto; Hybrid; CAD 70,000 - 85,000; Full time

Job summary

A leading mortgage provider in Toronto is seeking a Mortgage Underwriter to support the credit decision process. The ideal candidate will have at least two years of mortgage underwriting experience, excellent analytical skills, and the ability to build relationships with mortgage brokers. This role offers a competitive compensation package and a hybrid working environment.

Benefits

Competitive compensation

Comprehensive benefits program

Hybrid working environment

Extensive training programs

Supportive teamwork culture

Qualifications

• Minimum 2 years of mortgage underwriting experience required.
• Completion of Mortgage Agent Course and/or FICOM License an asset.
• Strong analytical skills and attention to detail.

Responsibilities

• Supported the underwriting process by reviewing documentation.
• Established relationships with mortgage brokers.
• Adjudicated mortgage applications within authority limits.

Skills

Ability to build and maintain positive relationships

Strong aptitude for service excellence

Strong communication skills

Strong analytical skills

Attention to detail

Organizational and time management skills

Effective problem-solving and decision-making skills

Fully competent in Microsoft Office

Education

Completed post-secondary education or equivalent work experience

Minimum 2 years previous mortgage underwriting experience

Tools

PC software in a Windows environment

Job description

Overview

Mortgage Underwriter, Third Party Residential Underwriting – TDMS ON and Atlantic

Join to apply for the Mortgage Underwriter, Third Party Residential Underwriting – TDMS ON and Atlantic role at First National Financial LP.

We are hiring a Mortgage Underwriter, Third Party Residential Underwriting – TDMS ON and Atlantic!

Reporting To

Manager, Third Party Residential Underwriting

Employment Type

Full-Time

Posting Date

September 12, 2025

Closing Date

September 26, 2025

Hours Of Work

8:30 a.m. – 5:00 p.m.

Office Location

Toronto, ON

Great location! Steps away from the main public transit station

What We Offer

Highly competitive compensation package which includes base salary, bonus, benefits, and career advancement opportunities.

• Eligibility for benefits is dependent on the terms of employment

The Opportunity

Reporting to the Manager, Third Party Residential Underwriting, the Mortgage Underwriter supports the underwriting and credit decision process by reviewing all required documentation and applying sound due diligence. The Mortgage Underwriter is responsible for escalating any inaccuracies, issues, or items that are incomplete and potentially present risk to the Company. The Third Party Residential Underwriting Division, as a Division of First National Financial provides underwriting expertise and services on behalf of other financial institutions to the Canadian Mortgage Broker channel.

How You Will Contribute

• Establishes and maintains positive relationships with mortgage brokers to build loyalty to the Company
• Maintains positive relationships with external partners such as mortgage insurers, appraisers, title insurance companies, and solicitors
• Adjudicates mortgage applications within established authority limits while ensuring adherence to policies and guidelines
• Interacts with Mortgage Insurers where applicable to complete credit lending decisions
• Ensures due diligence has been completed prior to signing off on any mortgage conditions or documents, where applicable
• Prepares and issues mortgage commitments with appropriate conditions within established service level agreements / turnaround times
• Prioritizes applications and workflow to ensure consistent and sound risk assessments are maintained while managing high volumes and a continued focus on service excellence
• Stays current with latest industry knowledge, competition, and market trends

Skills And Attributes

• Ability to build and maintain positive relationships
• Strong aptitude for service excellence
• Strong communication skills—both written and verbal
• Ability to manage and resolve conflict
• Strong analytical skills
• Attention to detail
• Organizational and time management skills
• Positive team player with desire and ability to mentor others
• Effective problem solving and decision making skills
• Fully competent in working with basic PC software and Microsoft Office
• Ability to manage pressure in an environment of high volume processing with tight turnaround times

The Experience You Need

• Completed post-secondary education or equivalent work experience required
• Minimum 2 years previous mortgage underwriting experience required
• Completion of Mortgage Agent Course and / or FICOM License an asset
• Working knowledge of PC software in a Windows environment required

Working Environment And Physical Demands

• Office environment
• Periods of high volume with tight timelines
• Long periods of stationary position / sitting
• Prolonged periods of repetitive movement (i.e. using a keyboard and mouse)
• Long periods of time viewing a computer screen
• Multi-tasking may include speaking to customers on a telephone call while looking up information on a computer program

Why join First National?

• Competitive Compensation
• Comprehensive benefits program (Health Spending Account, Maternity and Parental Leave Top Up)
• Hybrid working environment
• Extensive training programs to set our employees up for success
• Modern office environment conducive to collaboration
• Supportive teamwork culture
• Opportunities to give back to the communities through charity-focused events
• Ongoing social events throughout the year

The Team You’ll Join

Founded in 1988, First National is one of Canada’s largest non-bank lenders. We provide residential mortgages exclusively through the mortgage broker channel and we are Canada’s largest commercial mortgage lender. First National has been consistently recognized as a great place to work, with employee engagement feedback higher than industry partners.

First National is proud to be an equal opportunity employer and is committed to diversity and inclusion regardless of race, color, religion, national origin, age, gender identity, physical or mental disability, sexual orientation and any other category protected by law. First National supports requests for accommodation from applicants with disabilities; please contact Human Resources at [e-mail] should you need an accommodation at any point in the recruitment process.

We would like to thank all applications for their interest in this existing vacancy but only candidates selected for an interview will be contacted.

FNUWON

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