Senior Mortgage Underwriter

Nesto Group; Montreal; Hybrid; CAD 70,000 - 100,000; Full time

Benefits offered by this job

Competitive rewards

Health & wellness

Vacation time

RRSP matching

Parental leave

Education assistance

Modern technology

Job summary

Nesto Group, a leading mortgage technology and financing solutions provider in Canada, is seeking an experienced mortgage underwriter to review and adjudicate residential mortgage applications. The role emphasizes precision, risk management, and timely processing in a hybrid Montreal-based office.

You will partner with brokers and internal teams to resolve issues, maintain rigorous due diligence, and mentor colleagues.

Qualifications

• Minimum 5 years of experience in residential mortgage underwriting.
• You don’t take files at face value; you dig into the details and ask clarifying questions.
• You thrive in a high-volume environment and manage your pipeline efficiently.
• You operate as part of a team and mentor others across departments.
• You’re passionate about transforming the mortgage customer journey.

Responsibilities

• Adjudicate with precision and insight by reviewing residential mortgage applications and supporting documents.
• Own the end-to-end file pipeline in a high-volume, high-performance setting to ensure timely closings.
• Provide solutions and proactive support to broker partners to resolve complex issues.

Skills

Mortgage underwriting

Credit analysis

Attention to detail

Team collaboration

Job description

Building Canada's Mortgage Ecosystem of the Future.
We're committed to creating a true Canadian champion.

About Us

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, 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.

With more than 1,300 team members across Canada, we're building Canada's mortgage ecosystem of the future—and we're looking for people who want to help shape what's next.

At Nesto Group, you'll be part of a collaborative organization where innovation, speed, trust, expertise, and continuous learning go hand in hand. Whether you're shaping strategy, supporting operations, building technology with best-in-class AI-driven tools, or serving customers, your work contributes to an ecosystem that's redefining the future of mortgage lending in Canada.

Discover the values that drive everything we do, every day. Join the Canadian Rocketship redefining the lending industry.

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.
• 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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