Underwriter, Residential Mortgages

Nesto Group(e); Nova Scotia; On-site; CAD 70,000 - 80,000; Full time

Job summary

A leading Canadian mortgage technology company is seeking an experienced Underwriter for Residential Mortgages in Nova Scotia. The successful candidate will support mortgage applications, prioritize high-quality outputs, and ensure regulatory compliance. This full-time role offers a competitive salary of $70,000 - $80,000 plus bonuses and a comprehensive benefits package, including health coverage and wellness programs.

Benefits

Health and Wellness Spending Accounts

RRSP Matching Program

Paid vacation, sick days, and personal days

Discounted gym memberships

Qualifications

• 2-5 years of residential mortgage underwriting experience.
• Knowledge of legislation regarding risk related mortgage laws.
• Ability to cultivate positive relationships with stakeholders.

Responsibilities

• Establish and maintain positive relationships with mortgage brokers.
• Adjudicate mortgage applications within established authority limits.
• Provide the highest level of customer service.

Skills

Sound credit judgement

Customer service focus

Excellent communication skills

Ability to prioritize

Job description

Overview

Join to apply for the Underwriter, Residential Mortgages role at Nesto Group(e)

The successful candidate will be based in one of the Atlantic provinces: New Brunswick, Nova Scotia, Prince Edward Island, or Newfoundland and Labrador.

Nesto Group is the leading Canadian provider of mortgage technology and financing solutions. With over $70 billion in residential and commercial mortgages under administration and trusted by some of Canada’s most prominent financial institutions. Our mission is clear: We’re building the mortgage ecosystem of the future — and, in doing so, creating a true Canadian champion. Our activities are carried out principally through nesto, CMLS, and intellifi.

About the role

We are looking for an experienced and dynamic Underwriter, Residential Mortgages to join our growing CMLS (part of the nesto Group) underwriting team.

In this position, you will take a customer-forward approach when working closely with the Residential Sales team and our broker channel. You will utilize your detailed knowledge of the residential mortgage industry, conditions management, and regulatory compliance and sound decision-making skills to adjudicate mortgage applications originated through the broker network within an end-to-end environment. Our successful candidate will employ strong solution-focused communication skills to deliver their message and be highly organized with a strong attention to detail.

Salary Range : $70,000 - $80,000 / year + Monthly Variable Volume Bonus + Annual Performance Bonus

What you’ll be doing

• Establish and maintain positive relationships with mortgage brokers to build loyalty to CMLS Financial
• Provide the highest level of internal and external customer service while fielding mortgage broker inquiries to build and maintain strong broker relationships
• Maintain positive relationships with internal and external partners such as regional managers, funders, mortgage insurers, appraisers, title insurance companies, and solicitors
• Adjudicate mortgage applications within established authority limits while ensuring adherence to policies and guidelines
• Deliver timely mortgage solutions, while applying a high degree of accuracy and quality to the file during the underwriting process
• Effective management of approved loans pipeline to ensure deals close as scheduled or moved, cancelled as required
• Ensure due diligence has been completed for loan approval and prior to signing off on any mortgage conditions or documents, where applicable
• Prepare and issue mortgage commitments with appropriate conditions within established service level agreements / turnaround times
• Prioritize applications and workflow to ensure consistent and sound risk assessments are maintained while managing high volumes and a continued focus on service excellence
• Provide liaison and support for all business partners

Who we\'re looking for

• You have demonstrated sound credit judgement with knowledge of legislation regarding risk related mortgage laws
• You possess a strong customer service focus with the ability to cultivate positive relationships with internal and external stakeholders
• You have 2-5 years of residential mortgage underwriting experience
• You possess a highly positive “can do” attitude and excellent communication skills
• Positive team player with desire and ability to mentor others
• You take ownership of your tasks by working proactively and being driven by delivering high quality outputs
• You have the ability to prioritize and multi-task effectively within in a fast-paced, deadline driven environment
• You are excited at the prospect of working for a fast growing organization with the chance to grow and create a positive impact

Benefits and Perks

• Health and Wellness Spending Accounts
• Health, Drug, Vision, and Dental benefits
• Paid vacation, sick days, and personal days (in addition to all civil and statutory holidays)
• RRSP Matching Program
• Maternity / Parental Leave Top Up Program
• Discounted gym memberships
• Travel assistance and EAP
• Business Casual dress code
• Company social events + sport teams and more!

Diversity & Inclusion

At the nesto Group, we believe that creativity and collaboration are the result of a diverse team. We are committed to fostering a culture of diversity, equity, inclusion, and belonging, and we strongly encourage women, people of color, LGBTQIA+ individuals, and individuals with disabilities to apply. We are committed to creating a workplace that is inclusive and welcoming to all.

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Finance