Mortgage Underwriter (roles in Western & Atlantic Canada)

About Highclere Capital Highclere Capital is a growing mortgage finance company focused on delivering innovative lending solutions to underserved borrowers across Canada. With a sharp eye on compliance, service excellence, and responsible growth, we partner with mortgage professionals to deliver tailored financing with speed and integrity. As a remote-first team, we're building a culture rooted in accountability, collaboration, and a shared commitment to doing the right thing — for our brokers, our partners, and one another. About the Role As a Mortgage Underwriter, you are responsible for reviewing and assessing residential mortgage applications submitted by broker partners. This role focuses on accurate document analysis, sound credit decisions, and timely communication with brokers and internal teams to support Highclere's high service standards. Core Responsibilities File Assessment & Decisioning Underwrite mortgage applications in accordance with Highclere's lending guidelines and risk appetite Analyze documents including income, credit, down payment, and property valuations Identify red flags and escalate exceptions as needed Apply insurer and investor conditions with precision Collaboration & Communication Liaise with brokers to request clarifications or outstanding documentation Partner with Sales to ensure complete and high-quality submissions Coordinate with Quality Assurance and AML teams on flagged issues Liaise with insurer partners (Sagen, CG, CMHC) on insured/insurable applications Service & Efficiency Manage a personal pipeline to meet service level expectations Ensure clear documentation and timely responses to brokers and internal stakeholders Compliance & Documentation Maintain audit-ready files with accurate system updates Stay current on regulatory policies and internal compliance procedures Participate in AML and compliance training What You Bring Must-Have: 3–5 years of residential mortgage underwriting experience Solid understanding of income verification, credit analysis, and document review Strong attention to detail and consistent application of underwriting criteria Proficient in Microsoft Office and familiar with LOS systems Comfortable working in a remote-first, fast-paced environment Nice-to-Have: Experience in Alt-A or non-prime lending Familiarity with AML procedures and risk detection Exposure to both broker and institutional lending environments Bilingual in French is an asset Why Join Highclere? Be part of a growing company where your underwriting expertise directly shapes outcomes Work with a collaborative, broker-focused team that values speed and integrity Fully remote role with a supportive, accountable culture Clear expectations and room to grow as the company scales Additional Information This role is eligible to participate in the annual bonus program. Compensation is consistent across all locations for this remote role. Candidates must be legally eligible to work in Canada. Our Commitment to Inclusion and Accessibility Highclere Capital is an equal opportunity employer and is committed to creating an inclusive, accessible workplace for all employees. Accommodation is available upon request for candidates taking part in all aspects of the recruitment and selection process, in accordance with applicable accessibility legislation. Any information received relating to accommodation will be addressed confidentially. Use of AI in Recruitment Highclere Capital may use AI-enabled tools to help review and organize applications. All hiring decisions are made by qualified members of our recruitment team.

The role involves reviewing and assessing residential mortgage applications by analyzing income, credit, and property valuations. The underwriter must communicate with brokers and internal teams to ensure high service standards and compliance with lending guidelines.

Candidates must have 3–5 years of residential mortgage underwriting experience and proficiency in credit analysis and LOS systems. Experience in Alt-A lending and bilingualism in French are considered assets.

• Annual Bonus Program

• Microsoft OfficePreferred

Identified from the job description. Confirm important requirements above.

• Residential Mortgage Underwriting
• Income Verification
• Credit Analysis
• Document Review
• Risk Assessment
• Microsoft Office
• LOS Systems
• Alt-A Lending
• Non-Prime Lending
• AML Procedures
• Broker Relations
• Compliance Monitoring

• Finance & Accounting
• Sales

Minimum experience

2+ years

Apply by

Feb 3, 2027

Posting language

English

Working hours

40 hours per week

Seniority

Mid-Senior level