Senior Mortgage Underwriter

nesto; Montreal; Hybrid; CAD 70,000 - 95,000; Full time

Benefits offered by this job

Health coverage

Vacation 4 weeks

RRSP matching

Mentorship program

Job summary

nesto, Canada’s leading digital residential mortgage lender, is seeking an experienced Mortgage Underwriter for a hybrid role based in Montreal. You will review and adjudicate mortgage applications, ensure compliance with policies, and collaborate with brokers to provide timely, quality outcomes.

The ideal candidate has at least 5 years in residential mortgage underwriting, demonstrated detail orientation, and the ability to mentor peers in a fast-paced, high-volume environment.

Qualifications

• Minimum 5 years of experience in residential mortgage underwriting.
• Strong attention to detail and ability to question files.
• Thrives in high-volume, fast-paced environments.
• Experience mentoring team members.
• Bilingual in English and French (written and verbal).

Responsibilities

• Review and analyze residential mortgage applications and supporting documentation (credit, income, assets, and appraisals).
• Manage end-to-end file pipeline in a high-volume environment and ensure timely closings.
• Partner with brokers and internal teams to resolve issues and secure smooth client journeys.
• Maintain organized loan files with adherence to policies and lending guidelines.
• Identify process improvements and mentor teammates in a fast-evolving lending landscape.

Skills

Underwriting

Credit analysis

Regulatory adherence

Process improvement

Team collaboration

Job description

nesto is Canada’s leading digital residential mortgage lender, offering Canadians the lowest rates from the get-go — with total transparency and no haggling.

About Us

As Canada's pioneer in online mortgage lending, nesto is transforming the way Canadians finance their homes. Our mission is to offer a positive, empowering, and transparent property financing experience, simplified from start to finish.

Borrowers benefit from rates that are often lower than those offered by the big banks, along with an exceptional end-to-end mortgage experience powered by best-in-class AI technology. Fast, simple, and fully digital, nesto has been recognized as CLA Lender of the Year for three consecutive years. That's the bright side of mortgages.

Nesto Group is Canada's leading provider of mortgage technology and financing solutions, with more than CAD $80 billion in residential and commercial mortgages under administration. Trusted by many of the country's leading financial institutions, we combine over 50 years of mortgage expertise with proprietary cloud and AI technology to transform the future of lending.

Powered by our proprietary cloud and AI technology, nesto has become one of Canada's fastest-growing mortgage lenders, gaining market share across direct-to-consumer (D2C) residential lending, the broker channel, and multi-family commercial lending. Recognized as one of Deloitte's Fast 50 companies for three consecutive years, we continue to push the industry forward through innovation, technology, and customer-focused solutions.

Operating through our family of brands— CMLS, nesto, and Nesto Cloud —our mission is to build Canada's mortgage ecosystem of the future and create a true Canadian champion in lending technology and financial services. Learn more at: https://nestogroup.ca/

At nesto, we're passionate about challenging the status quo and building a better mortgage experience and saving money on their mortgages for Canadians. We foster a culture of collaboration, transparency, and creativity where every team member is empowered to take ownership, make an impact, and grow. If you're looking to solve meaningful problems alongside ambitious, supportive teammates, you'll feel right at home here.

What you’ll be doing

• Adjudicate with Precision & Insight: Review and analyze residential mortgage applications and supporting documentation (credit, income, assets, and appraisals). You will apply sound credit judgment within established authority limits to identify and mitigate risk while ensuring full adherence to regulatory and internal policies.
• Take Ownership of the Pipeline: Manage your end-to-end file pipeline in a high-volume, high-performance environment. You are responsible for ensuring applications are completed within specific timeframes and that deals close on schedule without sacrificing quality.
• Deliver Solutions & Support: Act as a proactive partner to our broker partners. You don't just provide decisions; you provide solutions. You'll identify missing information early and engage proactively to resolve complex issues, ensuring a frictionless journey for the client.
• Maintain the "Done Right" Standard: Cultivate a culture of rigorous due diligence. You will maintain organized, airtight loan files where every document is verified and aligned with company policies and lending guidelines.
• Drive Continuous Improvement: Beyond daily underwriting, you will identify process efficiencies and mentor team members, maintaining a "can-do" attitude that thrives in a fast-paced, evolving lending landscape.

Who we’re looking for

• Minimum 5 years of experience in residential mortgage underwriting.
• You don't take files at face value. You are the type of underwriter who digs into the details, asks clarifying questions, and looks for the "how" rather than just settling for a "no."
• You thrive in a high-volume environment. You are organized, self-driven, and take pride in managing your pipeline efficiently without sacrificing quality.
• You operate as part of a team. You are comfortable mentoring others and working across departments to move files forward.
• You have a genuine interest in helping transform the mortgage customer journey.
• Bilingualism in English and French is required (strong written and verbal communication skills in both languages).
• Hybrid role based out of one of our offices in Montreal, Toronto, Winnipeg, or Calgary.

Why You’ll Love Working Here

We believe great people do their best work when they're supported professionally, personally, and financially. That's why we offer a comprehensive rewards package designed to help you thrive at every stage of your career.

Competitive Rewards

Competitive compensation, performance incentives (where applicable), and recognition for your contributions.

Health & Wellness

Comprehensive medical, dental, and vision coverage, Health & Wellness Spending Accounts (where applicable), telemedicine, Employee Assistance Programs, and mental health support for you and your family.

Time to Recharge

Generous vacation (4 weeks), floater days, and statutory holidays to help you recharge.

Planning for the Future

RRSP matching to support your long-term financial wellbeing.

Family Support

Enhanced maternity and parental leave top-up programs.

Learning & Growth

Education assistance, mentorship, training, and opportunities to build your career across Nesto Group.

Tools for Success

Modern technology, collaborative teams, and the resources you need to do your best work.

Diversity, Equity & Inclusion

At Nesto Group, we believe diverse perspectives make us stronger. We are committed to fostering an inclusive workplace where everyone feels respected, supported, and empowered to succeed.

We welcome applications from people of all backgrounds, including Indigenous Peoples (First Nations, Inuit, and Métis), persons with disabilities, members of racialized communities, women, and members of the 2SLGBTQIA+ community.

If you require accommodation during any stage of the recruitment process, we are committed to working with you to meet your needs.

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