99398-1 - Underwriter - Intermediate

For this credit underwriting role, the must haves are underwriting mortgages in real estate for secured/unsecured lending.

This is a hybrid long term engagement with opportunity to be converted to full-time.





Advantages
Professional Growth: Opportunity to work with a diverse portfolio of lending products and high-value files (up to $1,500,000).

Collaborative Environment: Work alongside senior underwriters and industry experts in a supportive, fast-paced team.

Impactful Work: Play a key role in the risk mitigation and credit approval process for one of Canada’s major financial players.

Market Leadership: Gain experience with a firm known for its robust risk management and industry-leading standards.

Responsibilities
Decision-Making: Independently negotiate, approve, decline, and recommend residential mortgage and real estate secured/unsecured applications within an authorized lending limit of up to $1.5M.

Analytical Review: Gather and assess all necessary documentation (income, down-payment, offers, etc.) to ensure applications align with risk parameters and insurer guidelines.

Risk Assessment: Identify potential risks and provide well-reasoned recommendations to management for applications exceeding personal authority limits or requiring specialized exceptions.

Relationship Management: Act as a key point of contact for internal partners and external stakeholders, including insurers, appraisers, and solicitors, to resolve inquiries and finalize files.

Volume Management: Maintain high quality and due diligence standards while managing significant work volumes and strict timelines.

Qualifications
Bilingualism: Professional fluency in both French and English is mandatory.

Experience: 3–4 years of retail mortgage underwriting experience, specifically focused on Residential Mortgages.

Technical Expertise: Proven experience in RESL (Real Estate Secured Lending) and a strong understanding of risk mitigation strategies.

Authority: Demonstrated experience with approval authority and the ability to formulate exception rationales independently.

Soft Skills: Exceptional negotiation skills, high attention to detail, and the ability to communicate complex information clearly.

Technical Literacy: Proficient in MS Office (Outlook/Excel) and the ability to adapt quickly to new underwriting technologies.

Education (Asset): A university degree or completion of recognized mortgage broker/underwriting courses is considered a strong asset.

Summary
This role is ideal for a bilingual mortgage professional who thrives on making informed decisions and managing complex risk profiles. If you are an agile analyst who enjoys the challenge of high-volume adjudication and possesses the negotiation skills to handle marginal applications, we want to hear from you.

Randstad Canada is committed to fostering a workforce reflective of all peoples of Canada. As a result, we are committed to developing and implementing strategies to increase the equity, diversity and inclusion within the workplace by examining our internal policies, practices, and systems throughout the entire lifecycle of our workforce, including its recruitment, retention and advancement for all employees. In addition to our deep commitment to respecting human rights, we are dedicated to positive actions to affect change to ensure everyone has full participation in the workforce free from any barriers, systemic or otherwise, especially equity-seeking groups who are usually underrepresented in Canada's workforce, including those who identify as women or non-binary/gender non-conforming; Indigenous or Aboriginal Peoples; persons with disabilities (visible or invisible) and; members of visible minorities, racialized groups and the LGBTQ2+ community.

Randstad Canada is committed to creating and maintaining an inclusive and accessible workplace for all its candidates and employees by supporting their accessibility and accommodation needs throughout the employment lifecycle. We ask that all job applications please identify any accommodation requirements by sending an email to accessibility@randstad.ca to ensure their ability to fully participate in the interview process.