Senior Mortgage Underwriter — Remote-First, Complex Deals

Highclere Capital Corporation; Canada; Hybrid; CAD 85,000 - 105,000; Full time

Job summary

Highclere Capital Corporation is seeking a Senior Mortgage Underwriter to manage complex residential mortgage files and support consistent credit decisions. The role requires deep underwriting experience, ability to handle high-risk scenarios, and adherence to investor and insurer guidelines.

As a remote-first team preparing to open our first office in Canada, you will work independently, manage a diverse deal flow, and contribute to service standards under pressure while collaborating with

Qualifications

• 5+ years of residential mortgage underwriting experience with prime and non-prime exposure.
• Ability to analyze complex scenarios and exceptions.
• Strong judgment balancing risk, investor conditions, and customer experience.
• Detail-oriented with consistent decision making.
• Proficient in Microsoft Office and LOS systems; able to work remotely.

Responsibilities

• Underwrite mortgage applications in accordance with lending guidelines and risk appetite.
• Analyze documents including income, credit, down payment, and property valuations.
• Identify red flags and elevate exceptions as needed.
• Apply insurer and investor conditions with precision.
• Liaise with brokers to request clarifications or outstanding documentation.
• Partner with Sales to ensure complete and high-quality submissions.
• Coordinate with QA and AML teams on flagged issues.
• Liaise with insurer partners (Sagen, CG, CMHC) on insured/insurable apps.
• Support and train new hires as needed.
• Manage personal pipeline to meet service level expectations.
• Ensure clear documentation and timely responses to brokers and stakeholders.

Skills

Residential mortgage underwriting

Risk assessment

Attention to detail

Microsoft Office

LOS systems

Independent work

French (Bilingual)

Tools

Microsoft Office

LOS systems

Job description

Highclere Capital Corporation is seeking a Senior Mortgage Underwriter to manage complex residential mortgage files and support consistent credit decisions. The role requires deep underwriting experience, ability to handle high-risk scenarios, and adherence to investor and insurer guidelines.

As a remote-first team preparing to open our first office in Canada, you will work independently, manage a diverse deal flow, and contribute to service standards under pressure while collaborating with