Underwriter

Infotek Consulting Inc.; Toronto; Hybrid; CAD 48,216 - 61,992; Part time

Benefits offered by this job

Extensive onboarding and training program

Opportunity to grow within the organization

Exposure to complex secured lending decisions

Job summary

A financial institution is hiring a Bilingual French Intermediate Underwriter in Toronto. The role involves underwriting residential mortgage and real estate secured lending applications. Candidates should have 3-4 years of relevant experience, be bilingual in French and English, and possess strong decision-making skills. The position offers extensive training, a hybrid work model, and potential for conversion to full-time based on performance. Starting in February 2026, this is a great opportunity for those seeking challenges in the mortgage sector.

Qualifications

• 3 to 4 years of retail mortgage underwriting experience, primarily residential.
• Strong experience in Real Estate Secured Lending (RESL).
• Proven ability to assess and document underwriting exceptions.

Responsibilities

• Negotiate, approve, decline, or recommend applications within established guidelines.
• Review and assess income, property details, and supporting documentation.
• Communicate effectively with internal business partners and external stakeholders.

Skills

Bilingual in French and English

Attention to detail

Strong communication skills

Adaptability and willingness to learn

Education

University degree

Tools

Outlook

Excel

Job description

Infotek Consulting Inc. provided pay range

This range is provided by Infotek Consulting Inc. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

CA$35.00/hr - CA$45.00/hr

Direct message the job poster from Infotek Consulting Inc.

Executive Director, CSO Infotek Consulting Services

Now Hiring: BILINGUAL French Intermediate Underwriter (Contract to Potential Full Time)

Location: Montreal, QC (Hybrid) Or Toronto

Start Date: February 2026

Duration: 6 months potential to fulltime

Positions Available: 4

We are seeking experienced Bilingual French Intermediate Underwriters to support a growing Credit Adjudication team focused on Infrastructure and Real Estate Secured Lending. This is an excellent opportunity to join a large financial institution with strong training, high exposure, and potential conversion to full time based on performance and business needs.

Work Model

• Hybrid schedule with onsite presence once per week for the first five weeks of training

About the Role

As an Intermediate Underwriter, you will support day-to-day underwriting operations by reviewing and adjudicating residential mortgage and real estate secured lending applications. You will assess risk, make lending decisions within your approval authority, and collaborate closely with internal partners to ensure timely and high-quality outcomes.

This role requires strong underwriting judgment, comfort managing volume, and the ability to clearly articulate credit decisions.

Key Responsibilities

• Negotiate, approve, decline, or recommend residential mortgage and real estate secured and unsecured applications within established lending guidelines and approval limits
• Review and assess income, down payments, property details, third-party reports, and supporting documentation
• Apply sound risk assessment and mitigation strategies, including making and documenting exception rationales
• Escalate applications exceeding authority limits with clear recommendations
• Manage high volumes while maintaining accuracy, quality, and turnaround targets
• Communicate effectively with internal business partners and external stakeholders such as insurers, appraisers, and solicitors

What Sets This Role Apart

• Extensive onboarding and training program designed to set you up for success
• Opportunity to grow within a large financial institution
• Exposure to complex secured lending decisions
• Potential extension or conversion to full time based on business needs

Must-Have Qualifications

• 3 to 4 years of retail mortgage underwriting experience, primarily residential
• Bilingual in French and English
• Strong experience in Real Estate Secured Lending (RESL)
• Demonstrated decision-making authority in underwriting
• Experience reviewing income, down payments, offers, and supporting documentation
• Proven ability to assess and document underwriting exceptions
• Solid understanding of credit risk and risk mitigation

Nice to Have

• Broker or underwriting course completion
• Strong Outlook and Excel skills
• University degree
• Familiarity with Canadian lending rules and regulations

Soft Skills We Value

• Excellent written and verbal communication
• Strong attention to detail
• Adaptability and willingness to learn

Additional Notes

• Hands-on underwriting decision experience is critical
• Candidates must be comfortable working with performance targets related to quality, productivity, and accuracy
• Previous experience in target-driven environments is strongly preferred

If you are an experienced underwriter looking for your next challenge with growth potential, we would love to connect.