Mortgage Underwriter

Mortgage Underwriter (RECA Licensed)

Benchmark Mortgages | St. Albert (Hybrid) | Full-time | Salary + Commission Earnings Opportunity

Before we get excited: being licensed is non-negotiable

You must have an active Alberta Mortgage Broker license (RECA) in good standing. If you don't currently hold your RECA license, we will not consider your application. If you are working towards getting your RECA license, but do not have it yet, we will not consider your application.

Come for the files. Stay for the team.

We're Benchmark Mortgages: a tight-knit, upbeat crew that genuinely likes working together. We move fast, support each other, and keep things warm and human while holding a high bar for quality.

If you love the underwriting side of mortgages and want to focus on doing great work (not lead gen, not marketing, not "build your own book"), you'll feel right at home here.

The opportunity (serious work, great environment)

We're hiring a Mortgage Underwriter who's detail-driven, proactive, and calm under pressure. You'll be the person who keeps deals clean, compliant, and moving from application to funded, while working closely with our brokers and partners.

Hybrid work is built in, and we do like seeing each other in the office too. Think team lunches, quick check-ins, and the kind of workplace where people actually have each other's backs.

Your day-to-day (key responsibilities)

• Underwrite and reviewmortgage applications: income, credit, assets, liabilities, supporting docs
• Structure deals across purchases, renewals/transfers, refinances, equity take-outs, rentals, and more complex scenarios
• Build strong lender submissions that are complete, accurate, and positioned for approval
• Track conditions and commitmentsand guide the file through signing and next steps
• Own the file flow from submission to funding, staying ahead of deadlines and key dates
• Coordinate partners (lenders, BDMs, realtors, appraisers, lawyers, insurers) to keep things moving smoothly
• Problem-solve early when something feels off, and collaborate quickly on solution
• Keep files audit-ready and compliant with RECA, AMBA, FINTRAC, and federal requirements
• Support occasional post-funding requestslike documentation follow-up or servicing changes

What you bring

Must-haves

• Active RECA license (Alberta) in good standing
• 2+ years underwriting experience, or 2+ years mortgage brokering with strong underwriting exposure
• Strong lender guideline knowledge (banks, monolines, credit unions, alternative lenders)
• Comfort with CRMs, document systems, lender portals, calculators, and e-sign tools

Bonus points for experience with

• Blu Mortgage (CRM)
• MortgageBOSS
• MS Office Products, SharePoint
• Equifax/Verifast
• Lender portals and insurer portals (CMHC, Sagen, Canada Guaranty)

You'll fit best if you're

• Meticulous and organized (you spot what others miss)
• Clear and kind in communication
• Solutions-focused and steady when timelines get tight
• A team player who enjoys contributing to a positive environment

Compensation & perks (clear and simple)

• Position Type: Full-time, salary + commission, hybrid work-from-home option
• Base Salary Range: $50,000 - $60,000 (dependent on experience)
• Target Total Compensation: $80,000 - $120,000
• Benefits: Commissions are provided in addition to base salary. Health spending account. 3-week vacation to start. St. Albert office location with free parking and a bright workspace.
• Equipment: Provided
• Start Date: Early 2026

Job Type: Full-time

Pay: $50,000.00-$60,000.00 per year

Benefits:

• Dental care
• Extended health care
• On-site parking
• Paid time off
• Vision care
• Wellness program
• Work from home

Experience:

• Underwriting : 2 years (preferred)

Licence/Certification:

• RECA License (required)

Work Location: Hybrid remote in St. Albert, AB T8N 8N8