Mortgage Underwriter

Who We Are
Canada Guaranty is a privately held Canadian mortgage insurer, established in 2010 following the acquisition of AIG United Guaranty Mortgage Insurance Company Canada by the Ontario Teachers' Pension Plan and National Mortgage Guaranty Holdings Inc.

As a proudly Canadian company, we are committed to service excellence and helping Canadians achieve successful, long-term homeownership. Our mortgage solutions help protect lenders and investors from losses related to borrower default and foreclosure while ensuring Canadians are provided with greater access to affordable and sustainable homeownership.

Canada Guaranty's performance-driven culture thrives on accountability, collaboration, and supportive teamwork. If you're a dedicated team player with a strong track record of excellence, we can't wait to hear from you

About The Opportunity
Canada Guaranty is currently seeking a BC or Alberta-based Mortgage Underwriter to support our partners in Western Canada. The ideal candidate must have effective communication and problem-solving skills, along with a passion for delivering superior customer service. This position involves the adjudication of mortgage default insurance loans within the parameters of Canada Guaranty's underwriting guidelines and established service standards.

Please Note: Underwriters work shifts which will vary from time to time. Our National Underwriting Centre operates Monday – Friday, 8am – 10pm, and Saturdays from 10am – 6pm (all times EST)

In This Role, You Will

• Underwrite mortgage insurance loans, exercising appropriate judgment and authority in interpreting the company's credit risk policy
• Escalate any exceptions or high-risk files with recommendations to Management
• Underwrite loans within parameters of the established client service level agreements
• Deliver superior customer service through telephone and electronic communication with mortgage and lending customers
• Effectively negotiate and resolve customer conflicts while adhering to the company's risk management objectives
• Assist in developing and building strategic lender relationships, and inform management of any business trends that may impact customer relationships
• Adhere to the company's expectations of underwriter productivity, quality, and data integrity

Essential Qualifications

• 3+ years of loan underwriting experience with a strong background in credit analysis (NOTE: Less experience will be considered for junior positions on a case-by-case basis)
• Previous experience reviewing and interpreting tax returns and financial statements
• Previous experience reviewing real estate appraisals
• Demonstrated communication and problem-solving skills
• Effective analytical skills with attention to detail
• Proficiency with, and adaptability to, various underwriting system applications
• Proven ability to work within a fast-paced and time-sensitive environment while demonstrating superior customer service

Preferred Qualifications

• College Diploma or University degree

What We Offer You
Canada Guaranty is proudly recognized by Great Place to Work as one of the Best Workplaces in Financial Services & Insurance (2024, 2025), Best Workplaces in Ontario (2024), Best Workplaces for Mental Wellness (2025), Best Workplaces for Inclusion (2025), Best Workplaces for Women (2025), Best Workplaces with the Most Trusted Executive Teams (2025), and Best Workplaces in Canada – Employees Join us and see why

We offer a comprehensive total rewards package, including competitive compensation, company-matched retirement programs, health and dental coverage, flexible work options, and a friendly, inclusive, and supportive culture.

Accommodation Notice
Canada Guaranty is committed to fostering an equitable, accessible environment where all employees feel valued and supported. We are committed to building a workforce that is representative of the communities we serve and work alongside. Candidates may request accommodation at any point during the interview process.

/