Underwriter

About Us Pads Financial is a Montreal based Fintech startup. Pads is the brainchild of Canadian entrepreneurs who noticed a gap in the lending market. We are the first all online lending platform helping Canadian homeowners obtain equity backed loans. The Pads lending network is also comprised of 100% Canadian private investors. Pads Financial is vertically integrated; from lead acquisition to loan servicing everything is done in-house to insure excellent customer service, rapid processing, and the best rates. Each step of the loan process is optimized and expedited thanks to our proprietary AI. As much as we lean on technology, Pads is a people centric organization. We believe in providing our team members with a safe, stimulating work environment where they can do their best work and have many opportunities to grow and develop their skillset. Pads is shaking up the lending space in Canada with excellent, honest client service, advanced technology and a 100% online application process. Job Description Pads is seeking a Mortgage Underwriter to join our team. As a Mortgage Underwriter, you will be responsible for analyzing and evaluating mortgage loan applications to ensure they meet the required criteria and guidelines. You will work closely with other staff members to ensure that all loans are underwritten accurately and efficiently. The ideal candidate will have a strong background in mortgage underwriting which consists of establishing a borrower credit worthiness and a property valuation. Key Responsibilities Analyze and evaluate mortgage loan applications to ensure they meet required criteria and guidelines. Assess the creditworthiness of borrowers and make recommendations for loan approval or denial. Review and verify borrower information, including income, employment, credit history, debt-to-income ratio. Review and analyze property information that will be used as collateral. Ensure that all loan documents are accurate and complete, and that all required documentation is obtained and properly filed. Identify potential risks and recommend appropriate risk mitigation strategies. Communicate with processors, and other staff members to resolve any issues or discrepancies. Requirements Minimum of 1-3 years of experience in mortgage underwriting. Experience in residential mortgage underwriting. Works well in high pressure environment. Strong analytical and problem-solving skills. Excellent attention to detail. Ability to work independently and in a team environment. Strong communication and interpersonal skills. Bilingual (French, English) – mandatory. If you meet the requirements and are interested in this position, please submit your resume and cover letter. We look forward to hearing from you. Benefits A dynamic, startup environment and a competitive total rewards package. 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The Mortgage Underwriter analyzes mortgage loan applications to ensure they meet specific criteria and guidelines. They assess borrower creditworthiness and property valuations to recommend loan approval or denial.

Candidates must have 1-3 years of experience in residential mortgage underwriting and be bilingual in French and English. Strong analytical skills and the ability to work in a high-pressure environment are required.

• Competitive total rewards package • Professional office culture • Competitive vacation offering • Benefits package • Paid professional development • Hybrid work from home-office model • High growth opportunity

• Problem solvingPreferred
• Attention to detailPreferred

Identified from the job description. Confirm important requirements above.

• Mortgage Underwriting
• Credit Analysis
• Property Valuation
• Risk Mitigation
• Analytical Skills
• Problem Solving
• Attention To Detail
• Bilingual French and English
• Interpersonal Communication

• Finance & Accounting

Minimum experience

2+ years

Apply by

Aug 25, 2026

Posting language

English

Working hours

40 hours per week

Seniority

Entry level