Bilingual Underwriter

November 8, 2025

Payrate: $38-40/hr. T4Title: Underwriter - IntermediatePositions: 5Line of Business: CREDIT ADJUDICATION - Infrastructure Target Start Date: Dec 15, 2025Duration: 6 Months- Ideally looking to convert to Full Time, however could be extended based on volume.Hybrid - Onsite once a week for the first 5 weeks Office and then fully remote Work Schedule (hours per week, start time): 37.5 Hours/week, - 10-6 M/F and potential Saturday rotating schedule. Interview Process: 1 video call with 2 underwriting managers. Generally around underwriting questions with some behavioural and situational type questions. Gauging underwriting experience/exposure. The CW will need to walk the HMs through their decision process and why they arrived at their answer. Reason the role is open? Increase in volume. Bridging resources until there is permanent staff hired. Team Culture? The Credit Adjudication team makes credit decisions on applications submitted, asses applications & reviews, completes and supports the servicing of the applications until they are moved to the funding team. Supporting specifically secured lending. Who Will the Candidate Be Working with on a Daily Basis?• Manager will have 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, Underwriting uses judgement 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 Insurers 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 time lines with a high level of quality and due diligence. You will also be expected to review a variety of lending products on a day to day basis. Must Have Requirement:• 3-4 Years Retail mortgage underwriting experience. Mostly residential Mortgages.• Bilingual - French• RESL specific Underwriting (Real-estate Secured Lending) • Decisioning experience with approval authority • Experience in reviewing and evaluating documents (income, down-payment, offers, etc..) • Experience in 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 - their willingness to learn and change, adaptability, partnership- CWs are measured based on targets - quality, processing errors, productivity- Previous experience with targets is important- Need to be able to learn new technology - the environment is always changing to keep up with new technology

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