Remote Bilingual (EN/FR) Mortgage Underwriter (Quebec)

Canada Guaranty Mortgage Insurance Company; Montreal (administrative region); Remote; CAD 75,000 - 85,000; Full time

Job summary

Canada Guaranty Mortgage Insurance Company is seeking multiple fully remote, bilingual (French and English) Quebec-based Mortgage Underwriters to support our partners in Eastern Canada. Ideal candidates have mortgage underwriting experience, strong communication and problem-solving skills, and a commitment to delivering superior customer service.

Underwriters work shifts that vary; our National Underwriting Centre operates Monday–Friday, 8am–8pm, and Saturdays 10am–6pm EST.

Qualifications

• 2+ years of mortgage underwriting experience with strong credit analysis background.
• Proficiency in French (native or bilingual) plus English, as the role involves interaction with clients across Canada.
• Experience reviewing and interpreting tax returns and financial statements.
• Strong communication and problem-solving skills.
• Analytical mindset with attention to detail.
• Familiarity with underwriting systems and processes.

Responsibilities

• Underwrite mortgage insurance loans within policy guidelines and risk framework.
• Escalate exceptions with recommendations to Management.
• Underwrite loans within client service level agreements.
• Deliver superior customer service via telephone and electronic communication.
• Negotiate and resolve customer conflicts while upholding risk objectives.
• Develop lender relationships and inform management of market trends.
• Maintain productivity, quality, and data integrity in underwriting.

Skills

French language proficiency

English communication

Mortgage underwriting

Tools

Underwriting software

Job description

Full-time Regular Quebec - Remote, Remote, QC, CA

Salary Range: $75,000.00 To $85,000.00 Annually

Who We Are

Canada Guaranty is a privately held Canadian mortgage insurer, established in 2010 following the acquisition of AIG United Guaranty Mortgage Insurance Company Canada by the Ontario Teachers’ Pension Plan and National Mortgage Guaranty Holdings Inc.

As a proudly Canadian company, we are committed to service excellence and helping Canadians achieve successful, long-term homeownership. Our mortgage solutions help protect lenders and investors from losses related to borrower default and foreclosure while ensuring Canadians are provided with greater access to affordable and sustainable homeownership.

Canada Guaranty’s performance-driven culture thrives on accountability, collaboration, and supportive teamwork. If you’re a dedicated team player with a strong track record of excellence, we can’t wait to hear from you!

About The Opportunity

Canada Guaranty is currently seeking multiple fully remote, bilingual (French and English) Quebec- based Mortgage Underwriters to support our partners in Eastern Canada. Ideal candidates have previous mortgage underwriting experience, effective communication and problem-solving skills, and a passion for delivering superior customer service.

Please Note: Underwriters work shifts which will vary from time to time. Our National Underwriting Centre operates Monday – Friday, 8am – 8pm, and Saturdays from 10am – 6pm (all times EST).

In this role, you will:

• Underwrite mortgage insurance loans, exercising appropriate judgment and authority in interpreting the company’s credit risk policy
• Escalate any exceptions or high-risk files with recommendations to Management
• Underwrite loans within parameters of the established client service level agreements
• Deliver superior customer service through telephone and electronic communication with mortgage and lending customers
• Effectively negotiate and resolve customer conflicts while adhering to the company’s risk management objectives
• Assist in developing and building strategic lender relationships, and inform management of any business trends that may impact customer relationships
• Adhere to the company’s expectations of underwriter productivity, quality, and data integrity

Essential Qualifications

• Excellent proficiency of French (native language or bilingual in French and English, both spoken and written). In addition to French, the person must have sufficient proficiency in English, as the job involves interacting and collaborating with people including clients who speak English, locally or elsewhere in Canada.
• 2+ years of mortgage underwriting experience with a strong background in credit analysis (NOTE: Less experience will be considered for junior positions on a case-by-case basis)
• Previous experience reviewing and interpreting tax returns and financial statements
• Demonstrated communication and problem-solving skills
• Effective analytical skills with attention to detail
• Proficiency with, and adaptability to, various underwriting system applications
• Proven ability to work within a fast-paced and time-sensitive environment while demonstrating superior customer service

What We Offer You

Canada Guaranty is proudly recognized by the Great Place to Work® Institute as one of the Best Workplaces™ in Canada – 100-999 Employees (2025, 2026). We are also honoured to be recognized as among the Best Workplaces™ in Financial Services & Insurance (2024, 2025), Best Workplaces™ in Ontario (2024, 2025), Best Workplaces™ for Mental Wellness (2025), Best Workplaces™ for Inclusion (2025), Best Workplaces™ for Women (2025, 2026), and Best Workplaces™ with the Most Trusted Executive Teams (2025, 2026). Join us and see why!

We offer a comprehensive total rewards package, including competitive compensation, company-matched retirement programs, health and dental coverage, flexible work options, and a friendly, inclusive, and supportive culture.

Accommodation Notice

Canada Guaranty is committed to fostering an equitable, accessible environment where all employees feel valued and supported. We are committed to building a workforce that is representative of the communities we serve and work alongside. Candidates may request accommodation at any point during the interview process.