{"id":1137378,"url":"https://alion.io/job/trust-residential-underwriter","title":"Residential Underwriter","company":{"id":1050349,"name":"Trust","domain":"hometrust.ca","url":"https://alion.io/company/hometrust-ca","size_band":"501-1000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"A","score":92,"open_postings":3,"ghost_share":0,"stale_share":0.333,"repost_share":0,"time_to_fill_p50_days":37,"computed_at":"2026-10-02T05:45:00Z"}},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Montreal, Canada"],"countries":["CA"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":43000,"max_usd":88000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":82},"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Office","optional":false},{"name":"SLI/SLO/SLA","optional":false}],"status":"live","first_seen_at":"2026-09-03T00:00:00Z","employer_posted_date":"2026-09-03","last_verified_at":"2026-10-02T07:01:45Z","board_verified":true,"closed_at":null,"days_open":30,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":30},"description":"Who we are:\nFairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, EdenPark and Fig.\nTogether, we are the leading alternative lending bank in Canada. With a diverse suite of products-residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending-we offer financial solutions tailored to all Canadians, including newcomers, small-business owners, smart investors and savvy consumers.\nHome Trust: Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people.\nJoin Home Trust as a Residential Underwriter, reporting to Manager, Residential Underwriting, and be part of our talented and growing team!\nAbout the role:\nThe Residential Underwriter will adjudicate mortgage applications by assessing prospective clients in accordance with the 5 C's (Capacity, Capital, Collateral, Character, and Conditions). Assessing risk and ensuring all applications adhere to both quality and service standards remain the overarching focus for this role.\nKey Responsibilities:\nRisk and Compliance\nMake prudent credit decisions on complex mortgage files\n\nReceive, review, analyze and verify mortgage applications for completeness, accuracy, suitability and risk to ensure compliance with all aspects of Home Trust Company’s underwriting policies, procedures and guidelines per delegated authority matrices\n\nAdhere to applicable compliance obligations including Privacy, Anti-Money Laundering/Anti-Terrorist Financing and internal Anti-Fraud Policy requirements\n\nFile Unusual Transaction Reports as applicable to fulfill individual employee obligations to detect and deter financial crimes activity. Maintain consistent, objective and sound risk assessments in a high volume, service-oriented environment\n\nHandle difficult interactions and unpopular decisions\n\nFile Management\nAnalyze and underwrite residential mortgage applications, including an assessment of the borrower, real estate security and loan terms as well as identifying any associated risk\n\nPipeline and SLA Management\nManage work volumes to meet short timelines, build and maintain exceptional customer service levels in a high-volume environment\n\nWork effectively with all internal and external business partners to underwrite quality transactions and provide a high level of service\n\nRemain current on latest developments within industry and market trends to secure competitive advantage\n\nLeadership\nLead by example and provide daily feedback and coaching to team members including Mortgage Officers\n\nAssist in training and onboarding new hires\n\nNegotiate, recommend and approve loan terms within Home Trust’s risk appetite\n\nMaintain accurate information and detailed notes on applications\n\nPrepare and issue conditional mortgage commitments according to negotiated and approved terms, which outline all conditions that must be met to Home Trust’s satisfaction\n\nReview real estate appraisals for consistency with prevailing market conditions\n\nReview and verify the accuracy and completeness of required documentation submitted by the broker as required on more complex files\n\nWhat we’re looking for:\nPost-secondary degree/diploma in a related area or discipline\n\n3-5 years mortgage lending experience\n\nStrong understanding of residential mortgage products\n\nProficient in adjudicating credit\n\nExceptional Problem-solving skills\n\nProactive, takes initiative and is a self-starter\n\nExhibits excellent time management skills\n\nTeam player and collaborates well within the team and others to achieve common goals.\n\nSkilled at fostering strong interpersonal connections.\n\nCommunicates effectively, both in speaking and writing, with a high degree of proficiency.\n\nDisplays a high level of professional maturity and sound judgment.\n\nKnowledgeable in the use of loan origination software.\n\nProficient in Microsoft Office Suite, demonstrating strong capabilities in its applications.\n\nWhat you’ll love about working here:\nAward-Winning Culture: We’re proud to be recognized as a Great Place to Work Canada 2025 and one of Montreal’s Top Employers 2025 by Canada’s Top 100 Employers.\n\nWork-Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.\n\nTime to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well-being.\n\nCompensation Package: Competitive base salary plus an annual incentive bonus tied to performance.\n\nComprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue.\n\nFuture-Ready Savings: Group Retirement Savings Plan with up to 7% employer match.\n\nExclusive Perks: Discounts from top retailers via WorkPerks, plus location-based perks like gym memberships and Toronto Bike Share.\n\nOn-Site Fitness: Gym access at our London and Montreal offices.\n\nContinuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.\n\nFamily Support: Parental leave top-up program to help you during life’s big moments.\n\nFor more information on who we are as an employer click here. If what you read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for first stages of the interview process.\n\nIf what you read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for first stages of the interview process.\nLearn more: https://www.fairstone.ca/en/about/canadian-lender\nFollow us on LinkedIn:https://www.linkedin.com/company/fairstone/mycompany/\nIf you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application.\nFairstone is an equal opportunity employer. Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.\nTime Type:\nFull timeJob Type:\nPermanent","description_format":"text","description_chars":6754,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[{"language":"French","level":"All levels","optional":true}]},"benefits":["Education assistance","Generous vacation","Gym membership","Hybrid work","Parental leave","Retirement plans"],"hiring_locations":[{"name":"Canada","iso":"CA","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Commercial & Retail Banks","Mortgage Lending & Brokers"],"lifecycle":[{"event":"open","at":"2026-09-23T08:43:43Z"}],"liveness":{"score":54,"band":"ok","label":"Likely open","p_open":1,"p_active":0.726,"p_room":0.75,"age_days":29,"expected_fill_days":37,"reasons":["conf:12","win:late"],"computed_at":"2026-10-02T05:45:00Z"},"pay":null,"html_url":"https://alion.io/job/trust-residential-underwriter","json_url":"https://alion.io/job/trust-residential-underwriter.json","meta":{"generated_at":"2026-10-03T02:08:13Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","usage":{"tier":"crawler","counted_by":"address","units_charged":1,"used_today":2311,"day_limit":5000,"remaining_today":2689,"minute_limit":60,"resets_at":"2026-10-04T00:00:00Z"}}}