Underwriter

2 weeks ago


Toronto, Canada Infotek Consulting Inc. Full time

Now Hiring: BILINGUAL French Intermediate Underwriter (Contract to Potential Full Time) Location: Montreal, QC (Hybrid) Or Toronto Start Date: February 2026 Duration: 6 months potential to fulltime Positions Available: 4We are seeking experienced Bilingual French Intermediate Underwriters to support a growing Credit Adjudication team focused on Infrastructure and Real Estate Secured Lending. This is an excellent opportunity to join a large financial institution with strong training, high exposure, and potential conversion to full time based on performance and business needs.Work Model• Hybrid schedule with onsite presence once per week for the first five weeks of trainingAbout the RoleAs an Intermediate Underwriter, you will support day-to-day underwriting operations by reviewing and adjudicating residential mortgage and real estate secured lending applications. You will assess risk, make lending decisions within your approval authority, and collaborate closely with internal partners to ensure timely and high-quality outcomes.This role requires strong underwriting judgment, comfort managing volume, and the ability to clearly articulate credit decisions.Key Responsibilities• Negotiate, approve, decline, or recommend residential mortgage and real estate secured and unsecured applications within established lending guidelines and approval limits • Review and assess income, down payments, property details, third-party reports, and supporting documentation • Apply sound risk assessment and mitigation strategies, including making and documenting exception rationales • Escalate applications exceeding authority limits with clear recommendations • Manage high volumes while maintaining accuracy, quality, and turnaround targets • Communicate effectively with internal business partners and external stakeholders such as insurers, appraisers, and solicitorsWhat Sets This Role Apart• Extensive onboarding and training program designed to set you up for success • Opportunity to grow within a large financial institution • Exposure to complex secured lending decisions • Potential extension or conversion to full time based on business needsMust-Have Qualifications• 3 to 4 years of retail mortgage underwriting experience, primarily residential • Bilingual in French and English • Strong experience in Real Estate Secured Lending (RESL) • Demonstrated decision-making authority in underwriting • Experience reviewing income, down payments, offers, and supporting documentation • Proven ability to assess and document underwriting exceptions • Solid understanding of credit risk and risk mitigationNice to Have• Broker or underwriting course completion • Strong Outlook and Excel skills • University degree • Familiarity with Canadian lending rules and regulationsSoft Skills We Value• Excellent written and verbal communication • Strong attention to detail • Confident negotiation skills • Adaptability and willingness to learn • Comfort working in evolving, technology-driven environmentsAdditional Notes• Hands-on underwriting decision experience is critical • Candidates must be comfortable working with performance targets related to quality, productivity, and accuracy • Previous experience in target-driven environments is strongly preferredIf you are an experienced underwriter looking for your next challenge with growth potential, we would love to connect.


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