Mortgage Underwriter - Part-Time Remote

The Role

The focus is clear: clean files, strong structuring, and efficient execution. You are not responsible for lead generation or client discovery; your role is to take incoming deals and move them forward accurately, efficiently, and independently.

What You’ll Be Responsible For

File Ownership & Underwriting

• Review incoming applications and supporting documentation through FINMO
  

• Analyze credit, income, and overall deal viability
  

• Identify risks early and ensure files are structured correctly before submission
  

• Prepare deals for internal placement discussions
  

Deal Execution & Submission

• Submit files to appropriate lenders (A, B, alternative)
  

• Ensure files are complete, logical, and positioned for approval
  

• Collaborate with the broker on lender and product placement
  

Fulfillment & Conditions Management

• Manage files post-submission through to funding
  

• Communicate with lenders, clients, and third parties to satisfy conditions
  

• Keep files moving proactively and efficiently
  

• Drive all files to “broker complete”
  

Application Fulfillment & Follow-Up

• Monitor incoming applications and document uploads
  

• Follow up with clients for outstanding information
  

• Maintain accuracy and consistency across all files
  

What Success Looks Like

Success in this role means taking full ownership of files with minimal oversight, consistently producing clean, well-structured submissions, and reducing lender back-and-forth. You will become a trusted execution partner, helping the business scale through precision and reliability.

Systems & Process Improvement

Work Environment

• 3+ years of mortgage underwriting and/or fulfillment experience (broker environment preferred)
  

• Experience across A, B, and alternative lending
  

• Strong ability to structure self-employed, rental, and credit-challenged files
  

• Experience with mortgage submission platforms (FINMO, Filogix, or similar)
  

• Proven ability to manage multiple files in a high-volume environment
  

• Highly detail-oriented, process-driven, and comfortable working independently
  

• Strong written communication skills with lenders, clients, and partners
  

Compensation & Structure

• Performance-based compensation with strong earning potential
  
• Incentives tied to funded file volume and business growth
  
• Structured as an independent contractor position
  
• 20-25 hours/week to start, with the opportunity to grow into a full-time 40-hour/week role
  
• Designed as a long-term opportunity with increasing volume and responsibility