Mortgage Underwriter

Who Are We?

At CMLS Financial, we strike a unique balance: the financial strength of a 50-year industry leader with the energy of a dynamic, fast-paced firm.

• Growth & Exposure: With over $45 billion in assets under administration, our "booming" business means you gain high-level exposure and real opportunities for career advancement.
• Supportive Culture: We are professional yet enjoyable. We provide a challenging environment supported by a team that wants you to succeed.
• National Reach: Work with Canada's most prominent banks, investment managers, and pension funds from a platform with offices coast to coast.

Work Location

We are specifically looking for a bilingual candidate (French/English) based in Quebec, Canada, with a preference for the Greater Montreal area. This is a remote role with approximately one in-office team day per month.

Why We Are Hiring

We're growing our mortgage underwriting team to meet the significant increase in application volume in Quebec.

What You'll Be Doing

• Adjudicate with Precision & Insight: Review and analyze residential mortgage applications and supporting documentation (credit, income, assets, and appraisals). You will apply sound credit judgment within established authority limits to identify and mitigate risk while ensuring full adherence to regulatory and internal policies.
• Take Ownership of the Pipeline: Manage your end-to-end file pipeline in a high-volume, high-performance environment. You are responsible for ensuring applications are completed within specific timeframes and that deals close on schedule without sacrificing quality.
• Deliver Solutions & Support: Act as a proactive partner to our broker partners. You don't just provide decisions; you provide solutions. You'll identify missing information early and engage proactively to resolve complex issues, ensuring a frictionless journey for the client.
• Maintain the "Done Right" Standard: Cultivate a culture of rigorous due diligence. You will maintain organized, airtight loan files where every document is verified and aligned with company policies and lending guidelines.
• Drive Continuous Improvement: Beyond daily underwriting, you will identify process efficiencies and mentor team members, maintaining a "can-do" attitude that thrives in a fast-paced, evolving lending landscape.

What You Bring

• Minimum 3-5 years of experience in residential mortgage underwriting.
• You don't take files at face value. You are the type of underwriter who digs into the details, asks clarifying questions, and looks for the "how" rather than just settling for a "no."
• You thrive in a high-volume environment. You are organized, self-driven, and take pride in managing your pipeline efficiently without sacrificing quality.
• You operate as part of a team. You are comfortable mentoring others and working across departments to move files forward.
• You have a genuine interest in helping transform the mortgage customer journey.

Nice-to-Have

• Experience as an underwriter working in a credit union, monoline, or similar institutional environment.
• Experience in prime/A-lending is central to this role; however, a diverse background in alternative/B-lending or commercial lending is an asset.
• Bilingualism in English and French.

Interview Process

• Recruiter Screen (30 min): An intro call to learn about your background and give you a real picture of the role.
• Take-Home Assignment / Case Study: A chance to showcase your skills through a practical exercise relevant to the role.
• Final Interview (60 min): You'll meet with the recruiter and the hiring manager for a final interview before a decision is made.
• Offer Stage: Pending successful background, criminal, and reference checks, you'll receive a formal offer to join the team.

Supporting Your Life at CMLS

• Comprehensive Health Coverage: Top-tier extended health, dental, and vision coverage, featuring 100% drug coverage.
• Health & Wellness Spending Account: A $1,500 combined annual flex fund for things like gym memberships or extra medical needs.
• Generous Paid Time Off: 4 weeks of vacation plus 8 personal floater days.
• Retirement Savings: Access to a group RRSP/DPSP plan featuring competitive company-matching contributions.
• Telemedicine Services: Access via Dialogue and coverage for licensed practitioner services.
• Family Support: Robust Maternity and Parental Leave Top-Up programs.

Equal Opportunity Employer

CMLS Financial is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We welcome applications from all qualified candidates, including Indigenous peoples (First Nations, Inuit, and Métis), persons with disabilities, women, and members of visible minorities and LGBTQ2+ communities.

Disability-related accommodations are available on request for candidates taking part in all aspects of the selection process.

Ready to Join Us?

We value your interest in CMLS Financial. We review applications immediately and will continue until the position is filled. While we thank all applicants for their time, please note that we will only contact those selected for an interview.