Underwriter

DLC National - Team Done Mortgage; Brampton; On-site; CAD 60,000 - 80,000; Full time

Job summary

A Canadian mortgage brokerage seeks an experienced Underwriter / Deal Manager to assist brokers with mortgage files from intake to funding. Responsibilities include underwriting deals, preparing lender-ready submissions, managing closing workflows, and maintaining organized electronic files. Ideal candidates should have several years of mortgage experience, strong analytical skills, and a proactive mindset. This full-time role offers a flexible schedule and compensation structure that includes a base salary plus commissions.

Qualifications

• Several years of hands-on experience in mortgage underwriting or deal management.
• Strong understanding of income verification and credit analysis.
• Proactive and solutions-focused mindset.

Responsibilities

• Underwrite residential mortgage deals including income analysis and credit review.
• Prepare clean, lender-ready submissions and manage closing workflow.
• Monitor a pipeline of active files and provide regular status updates.

Skills

Attention to detail

Time management

Clear communication

Income analysis

Credit review

Tools

Mortgage CRMs

Document portals

E-signature tools

Spreadsheets

Job description

About the role

We are a Canadian mortgage brokerage seeking an experienced Underwriter / Deal Manager to support the Broker and help take files from intake to funding across A-side (prime), B-side (alternative), and private lending. You will structure deals, package files to lender standards, manage conditions, and coordinate all parties to ensure clean, fundable submissions and smooth closings.

Key responsibilities

• Underwrite residential mortgage deals (purchases, refinances, switches/transfers, renewals when applicable), including income analysis, debt servicing, credit review, down payment verification, and overall deal reasonability.
• Prepare clean, lender‑ready submissions, including detailed notes or deal narratives where needed, and ensure all supporting documents are collected, reviewed, and properly named/organized (income, bank statements, credit reports, IDs, property documents, etc.).
• Manage conditions and closing workflow: track and satisfy lender conditions, coordinate appraisals, communicate with lenders, clients, and solicitors, and proactively follow up to ensure smooth closings.
• Support private lending files by preparing investor/lender packages, summarizing risk and security, and organizing all required documentation.
• Maintain an accurate and complete electronic deal file with clear notes so any team member can understand the deal status at a glance.
• Monitor a pipeline of active files, prioritize urgent closings and time‑sensitive conditions, and provide regular status updates to the broker.
• Identify issues early (documentation gaps, credit or income concerns, property red flags) and propose solutions or alternate structures/lenders.

Nice-to-have experience

• Construction / renovation / infill projects (understanding budgets, draws, inspections, and construction lender requirements).
• CMHC‑insured and other default‑insured lending experience (high ratio and multi‑unit).
• Business‑for‑self and business‑purpose lending (reading financial statements, NOAs, bank statements, and understanding corporate structures).
• Several years of hands‑on experience in mortgage underwriting, fulfillment, or deal management in the Canadian market (A, B and private exposure strongly preferred).
• Strong understanding of income verification, down payment and source‑of‑funds review, credit analysis, and property risk.
• High attention to detail with excellent organization and time management; comfortable managing multiple files and deadlines at once.
• Clear written and verbal communication skills; able to summarize complex files simply for lenders and clients.
• Comfortable working with mortgage CRMs, document portals, e‑signature tools, and spreadsheets.
• Proactive, accountable, and solutions‑focused mindset, with the ability to work independently but communicate frequently.

What success looks like in this role

• Files are submitted cleanly with minimal lender kickbacks and quick approvals.
• The broker spends more time on strategy and client relationships while you handle most day‑to‑day file work.
• Deal files are consistently organized, up to date, and ready for review at any time.

Employment type: Full‑time

Location: Brampton, ON

Schedule: Flexible hours, with responsiveness around time‑sensitive conditions and closings.

Compensation: Base salary plus commissions

How to apply

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