Mortgage Underwriter

Neo Financial; United States; Hybrid; USD 46,000 - 67,000; Full time

Benefits offered by this job

Equity Ownership

Job summary

Neo Financial is seeking experienced Mortgage Underwriters to review documentation and underwrite deals nationwide in Canada. You will collaborate with Mortgage Sales and third‑party brokers to provide optimal financing solutions while maintaining an exceptional customer experience.

Ideal candidates have 2+ years in Canadian mortgage underwriting, a passion for growth, and stellar communication. In-office work is preferred, with flexibility for remote candidates not near an office.

Qualifications

• 2+ years underwriting experience in Canadian mortgage industry.
• Strong client service orientation and communication skills.
• Ability to work with sales teams and brokers to document requirements.
• Organized with excellent time management and attention to detail.

Responsibilities

• Underwrite complex and high-value mortgage loan applications, including unique borrower profiles.
• Deliver mortgages from application through funding with MFO support.
• Communicate clearly with Sales, brokers, and partners on process, expectations, and documentation.
• Coordinate status updates with Sales, MFOs, Coordinators, and brokers for active files.
• Develop expertise in Neo products, Salesforce CRM capabilities, and industry trends.

Skills

Underwriting

Mortgage knowledge

Communication

Time management

Collaborative work

Tools

Salesforce CRM

Job description

_ Join us to build a more rewarding financial future for all Canadians _

At Neo, we’re on a mission to build a more rewarding financial future for all Canadians. Life at a rapidly scaling tech startup isn’t for everyone. It’s complex, fast-paced, high-pressure, but also incredibly fulfilling. Since its founding in 2019, Neo has gained incredible traction and is one of the fastest‑growing fintech companies in Canada.

• #1 on Deloitte’s Technology Fast 50 for 2023, 2024, and 2025 — the first company ever to achieve a three-peat at the top!
• #1 Fastest Growing Company in Canada for 2024 by Globe & Mail
• Top-ranked mobile apps and credit cards
• Team of 500+ people
• 1M+ customers
• 10K+ retail partners

The Role

We’re looking for experienced Mortgage Underwriters who will be responsible for reviewing documentation and underwriting deals from across the country. You’ll work closely with our Mortgage Sales team and third party brokers to ensure we’re finding the most effective solutions for our customers, and through that, you’ll be an integral part of enabling Neo to deliver a full range of financing products and services partnered with an exceptional customer experience. If you love a fast paced environment where growth and opportunities are constant, you’ll fit right in with this team!

What you’ll be doing:

• Underwrite complex and high-value mortgage loan applications, including those with unique borrower profiles or property types.
• You successfully deliver mortgages from the application stage through to funding with the support of your MFO
• You execute skilled and clear communication with Sales team, mortgage brokers, and internal/external partners to ensure their understanding of the mortgage process, expectations and documentation required
• You liaise with the Sales team, MFOs, Coordinators, and third party brokers on status updates for active mortgage files
• You utilize a hands-on approach and problem-solving skills to make prudent decisions on complex mortgage files If needed, you may be required to review mortgage documentation
• You develop subject matter expertise in the functionality and features of products, services, tools, technology, and Salesforce CRM capabilities
• You remain current on the latest industry trends to secure a competitive advantage

Who we are looking for:

• You have 2+ years of underwriting experience in the Canadian mortgage industry
• You have a passion for growth and excellence, consistently striving to deliver the highest quality results in a startup environment
• You bring epic focus and energy, with a strong dedication to client service
• You have superior communication skills, both verbal and written
• You’re highly organized with exceptional time management capabilities

Additional Role details:

• This role will be in-office where possible, but flexible to consider remote candidates who are not located near an office.
• Working hours, at times, may be outside a traditional Monday to Friday, 9am-5pm MST schedule. This will be determined on an as needed basis.

Total Rewards

As Neo continues to grow, we’re committed to offering a competitive, market-leading rewards program that reflects the impact our team members make. In addition to salary, our program includes equity — empowering employees to share directly in our momentum today and in the meaningful value we create for years to come.

• Salary: We provide a strong base salary aligned with market ranges, along with the flexibility to tailor your mix of cash and equity to match your longer term goals. Final compensation is based on your skills, experience, and scope. For exceptional talent, we’re prepared to go above and beyond.
• Equity Ownership (Where Eligible): At Neo, you don’t just work here, you own a piece of what we’re building. As a full-time team member, you share directly in the upside of one of Canada’s fastest-growing companies. When we win, you win — with real ownership and meaningful long‑term wealth‑building potential tied to our success.

What does life as an Owner at Neo Include?

You will redefine the financial landscape with top talent in Canada to help everyday Canadians win, and grow quickly while doing it

For eligible roles, ownership structure that enables you to share in our path to victory

Earn BIG with our short term incentive plans (STIP)

Collaborating with the brightest minds to build something meaningful, united by a shared commitment to innovation, curiosity, and excellence

Flexible health benefits & life insurance

21 Days PTO + stat holidays, and personal leave

Health & personal spending accounts

A wide variety of discounts through our partner network

Access to early use of products and discounts on fixed‑term Neo mortgages

Parental top‑up & equity vesting during long term leave

Neo night events

Company wide huddles, and education

Working at Neo:

The people who thrive at Neo are resourceful, growth‑oriented, and driven to win. We hold ourselves to high standards because we’re on a mission that matters: to build a more rewarding financial future for all Canadians. As individuals and as a team, we constantly challenge ourselves and each other to raise the bar and deliver exceptional experiences for our customers. Our commitment to customer success drives everything we do, from building world‑class products to providing exceptional support at every step of their journey. If this resonates with you, keep reading.

We trust, respect, and support each other. This means honest conversations, constructive input, and empowering each other to move fast and think big. You’ll be surrounded by people who push you to be your best. We primarily collaborate in person across our Calgary, Winnipeg, and Toronto offices, where ideas move quickly and teams build momentum together. As we continue to scale and evolve, we’re looking for builders, innovators, and problem solvers who thrive on challenge–people who would rather blaze a trail through uncertainty than follow a well‑paved path.

At Neo, ownership is part of how we think and operate. For select roles, equity participation reinforces that mindset by giving employees a direct stake in the company’s long‑term success. Regardless of role, every team member is expected to think like an owner and make decisions that move the business forward.

We believe in equal opportunity and are committed to creating an inclusive climate where everyone can thrive. Customers trust us with their finances, so successful candidates for this position will be required to undergo a security screening, including a criminal records check and a credit check.

By continuing with your application, you agree to the Candidate Privacy Notice, which guides how we process your personal information for the purpose of your application.

Neo Financial leverages artificial intelligence (AI) to reinforce our candidate evaluation process, including the initial assessment of applications and screening of candidates. These tools support our recruitment team; however, all final hiring decisions are made by humans and are not based exclusively on automated processing. If you require further information regarding our data processing practices, please contact us.

We are hiring for an open, vacant position.