Mortgage Underwriter, Third Party Residential Underwriting

We are hiring a Mortgage Underwriter, Third Party Residential Underwriting – TDMS ON and Atlantic

Reporting To:

Manager, Third Party Residential Underwriting- TDMS

Full-Time/Part- Time:

Full-time

Posting Date:

December 1, 2025

Closing Date:

December 15, 2025

Hours of Work:

8:30 a.m. – 5:00 p.m.

Grade:
Office Location:     

12.7
Toronto, ON
Great location Steps away from the main public transit station

What we offer:

Highly competitive compensation package which includes, base salary, bonus, benefits, and career advancement opportunities
*Eligibility for benefits is dependent on the terms of employment

The Opportunity  
Reporting to the Manager, Third Party Residential Underwriting- TDMS, the Mortgage Underwriter supports the underwriting and credit decision process by reviewing all required documentation and applying sound due diligence.  The Mortgage Underwriter is responsible for escalating any inaccuracies, issues, or items that are incomplete and potentially present risk to the Company.    The Third Party Residential Underwriting Division, as a Division of First National Financial provides underwriting expertise and services on behalf of other financial institutions to the Canadian Mortgage Broker channel.

How you will contribute:

Establishes and maintains positive relationships with mortgage brokers to build loyalty to the Company
Maintains positive relationships with external partners such as mortgage insurers, appraisers, title insurance companies, and solicitors
Adjudicates mortgage applications within established authority limits while ensuring adherence to policies and guidelines
Interacts with Mortgage Insurers where applicable to complete credit lending decisions
Ensures due diligence has been completed prior to signing off on any mortgage conditions or documents, where applicable
Prepares and issues mortgage commitments with appropriate conditions within established service level agreements/turnaround times
Priorities applications and workflow to ensure consistent and sound risk assessments are maintained while managing high volumes and a continued focus on service excellence
Stays current with latest industry knowledge, competition, and market trends

Skills and Attributes:

Ability to build and maintain positive relationships
Strong aptitude for service excellence
Strong communication skills—both written and verbal
Ability to manage and resolve conflict
Strong analytical skills
Attention to detail
Organizational and time management skills
Positive team player with desire and ability to mentor others
Effective problem solving and decision making skills
Fully competent in working with basic PC software and working knowledge of the suite of Microsoft office products
Ability to manage pressure in an environment of high volume processing with tight turnaround times

The experience you need:

Completed post-secondary education or equivalent work experience required
Minimum 2 years previous mortgage underwriting experience required
Completion of Mortgage Agent Course and/or FICOM License an asset
Working knowledge of PC software in a Windows environment required

Working Environment and Physical Demands Analysis:

Office environment
Periods of high volume with tight timelines
Long periods of stationary position/sitting
Prolonged periods of repetitive movement (i.e. using a keyboard and mouse)
Long periods of time in viewing a computer screen
Multi-tasking may include speaking to customers on a telephone call while looking up information on a computer program

Why join First National?

Competitive Compensation
Comprehensive benefits program (i.e., Health Spending Account, Maternity and Parental Leave Top Up)
Hybrid working environment
Extensive training programs to set our employees up for success
Modern office environment conducive to collaboration
Supportive teamwork culture
Opportunities to give back to the communities and work through events focused on a variety of charities
Ongoing social events throughout the year

The team you'll join:
Founded in 1988, First National is one of Canada's largest non-bank lenders. We provide residential mortgages exclusively through the mortgage broker channel and we are Canada's largest commercial mortgage lender.
First National has been consistently recognized as a great place to work and we are proud that our employee engagement feedback is higher than our industry partners.
   
First National is proud to be an equal opportunity employer and is committed to diversity and inclusion regardless of race, color, religion, national origin, age, gender identity, physical or mental disability, sexual orientation and any other category protected by law.
 
First National supports requests for accommodation from applicants with disabilities; please contact Human Resources at should you need an accommodation at any point in the recruitment process.

We would like to thank all applications for their interest in this existing vacancy but only candidates selected for an interview will be contacted.
 
#FNUWON

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