Senior Mortgage Underwriter

Salary $90000+ combination of base plus bonuses

Job Type
Full time Work Experience 1-3 years Date Opened 10/09/2026

Job Description
Our Client: Our client is a growing and well-established mortgage brokerage based in Surrey, British Columbia , known for delivering thoughtful mortgage solutions and maintaining strong lender relationships. The brokerage has built a reputation for excellent client service, smart deal structuring, and consistent production through a strong referral network. The team operates in a collaborative, high-performance environment where underwriting expertise and lender negotiation skills are highly valued. With a steady pipeline of files and clear internal processes, this role allows an experienced underwriter to focus on structuring deals, navigating complex files, and securing the strongest possible mortgage approvals for clients . This opportunity is ideal for an experienced underwriter who will work directly with the Team Lead and their clients and who enjoys solving challenging mortgage scenarios and thrives in a fast-paced brokerage environment where precision, accountability, and client outcomes matter. The Role: The Senior Mortgage Underwriter is responsible for the credit analysis, deal structuring, and lender negotiation phases of the mortgage process. The primary objective is to secure the best possible Mortgage Commitment for the client while protecting the brokerage’s license through strict adherence to compliance and AML guidelines. This is an in-office role based in Surrey, BC, working closely with the Lead Broker and operations team in a collaborative brokerage environment. Credit Analysis & Deal Structuring Detailed Risk Assessment: Analyze client applications, credit bureaus, and income documentation to calculate accurate Debt Service Ratios (GDS/TDS) and Net Worth prior to submission. Structure complex files (including self-employed, rental portfolios, and bruised credit) to fit specific lender guidelines. propose alternative solutions, B-Lender strategies, or credit repair plans to the Lead Broker. Maintain expert-level knowledge of lender products, policies, and rate sheets to ensure the client is placed with the optimal lender. Approval Acquisition: Manage the file from submission to Mortgage Commitment , answering lender queries and satisfying initial "submission conditions." Audit the Mortgage Commitment for accuracy (rate, term, conditions) before presenting it to the client. Compliance & Risk Management KYC & AML: Perform mandatory Know Your Client (KYC) verification and Anti-Money Laundering (AML/FINTRAC) checks during the file setup stage. Fraud Prevention: Scrutinize documents for authenticity and consistency to prevent mortgage fraud. CRM Data Integrity: Ensure all file details, notes, and status updates are entered accurately into BluMortgage to maintain data integrity for reporting. Client Advisory: Review the Mortgage Commitment with the client (or support the Lead Broker in doing so) to explain terms, rates, and required documentation. 5+ years mortgage underwriting experience within a brokerage or lending environment Strong experience with complex files including self-employed borrowers, rental portfolios, and credit-challenged applicants Advanced knowledge of GDS/TDS calculations, credit analysis, and mortgage structuring Experience submitting deals through Expert, Finmo, Velocity, or similar mortgage platforms Familiarity with BluMortgage CRM or comparable systems Strong understanding of FINTRAC, AML, and mortgage compliance requirements Strong communication skills with the ability to explain mortgage commitments clearly to clients