Bilingual Underwriter

Line of Business CREDIT ADJUDICATION - Infrastructure Duration 6 Months (could be extended based on volume). Hybrid Onsite once a week for the first 5 weeks at the office, then fully remote. Work Schedule 37.5 Hours/week, 10-6 M/F plus potential Saturday rotating schedule. Interview Process 1 video call with 2 underwriting managers. Topics include underwriting questions, behavioural and situational questions, and the candidate explaining their decision process. Reason the role is open Increase in volume and bridging resources until permanent staff is hired. Team Culture The Credit Adjudication team makes credit decisions on applications submitted, assesses applications, supports the servicing of applications until they are moved to the funding team—specifically secured lending. Who Will the Candidate Be Working With on a Daily Basis Manager of approx. 12 intermediate and senior UWs in the team. Directly connecting with business partners. Job Description The Analyst, Underwriting is responsible for supporting the review and approval of residential mortgage and real estate applications in a timely and effective manner. The role follows detailed instructions and documented procedures to negotiate, approve, recommend, or decline residential secured and unsecured mortgages and real estate applications within established guidelines and authorized lending limits. The Analyst uses judgment regarding priorities and approaches to review credit information by gathering and critically assessing property‑specific third‑party due diligence reports and negotiating terms for marginal applications. The role provides specialized advice and guidance on company policy, procedures, and security value estimates, resolving basic problems within the scope of their job. How You'll Succeed Decision‑Maker: Negotiate, approve, decline and recommend applications within established processes, guidelines and authorized lending limit of up to $1,500,000, including residential mortgage, real estate secured and unsecured applications. Analytical: Gather, review and assess information and documentation to support each credit application within risk parameters and insurer guidelines, if applicable. Relationship building: Handle, as required, correspondence and telephone inquiries from internal business partners and external business partners such as insurers, appraisers and solicitors. Risk‑Assessment: Review, prepare and make considered recommendations to Manager or senior underwriter where residential mortgage application is above authority limit. Agile: Manage high work volumes to meet short timelines with a high level of quality and due diligence. Also expected to review a variety of lending products on a day‑to‑day basis. Must Have Requirements 3‑4 years retail mortgage underwriting experience, mostly residential mortgages. RESL specific underwriting (Real‑estate Secured Lending). Decisioning experience with approval authority. Experience reviewing and evaluating documents (income, down‑payment, offers, etc.). Experience with exceptions rational (they will be making exceptions themselves). Good understanding of risk mitigation. Nice to Have Any broker or underwriting course experience. Outlook and Excel skills. A university degree. Familiarity with Canadian Rules and Regulation. Soft Skills Excellent communication – written and verbal. Attention to detail. Strong negotiation skills. Technologically savvy. Notes RESL experience is important—are they able to make decisions on a file? CWs previously presented that were not selected only reviewed documents. Soft skills are very important—willingness to learn, change, adaptability, partnership. CWs are measured based on targets—quality, processing errors, productivity. Previous experience with targets is important. Need to learn new technology—environment is always changing to keep up with new technology. #J-18808-Ljbffr