Mortgage Underwriter & Fulfillment Specialist

This is not a sales role.

Instead, this opportunity is ideal for an experienced mortgage professional who enjoys the operational side of the business -coordinating mortgage fulfillment activities, managing lender conditions, maintaining compliance standards, supporting client communication, and ensuring mortgage transactions move efficiently from application through funding. Strong mortgage underwriting knowledge is important, as are skills in fulfillment, file management, compliance, and lender coordination.

The Role

While this role includes reviewing and assessing mortgage applications, a significant portion of your time will be focused on underwriting, lender submission, fulfillment, compliance and funding.While this role includes reviewing and assessing mortgage applications, a significant portion of your time will be focused on underwriting, lender coordination, document collection and management, condition fulfillment, compliance and ensuring files progress efficiently through the mortgage process.

You will also serve as a key point of contact for clients and lending partners, helping deliver a professional, responsive, and organized experience from submission through funding.

In addition to supporting active mortgage files, you will assist with CRM management, workflow coordination, document collection, and the overall organization of the business.

Key Responsibilities

Mortgage File Review & Underwriting Support

• Review mortgage applications and conduct a thorough review of each application for completeness, accuracy and lender guideline compliance.
  
• Identify potential concerns or documentation gaps early in the process
  
• Structure the mortgage and recommend the most suitable mortgage product, lender, and financing strategy based on the client's goal and qualifications.
  
• Prepare high quality lender submissions and present complete, accurate, and well structured files that clearly tell the client's story and support the approval request.
  
• Provide underwriting insight on self-employed, rental, alternative, and more complex lending scenarios as required
  
• Ensure files are complete, logical, and positioned for successful lender review
  

Fulfillment, Compliance & Lender Coordination

• Submit mortgage applications through lender and broker platforms
  
• Manage lender communication, conditions, and follow-up requirements
  
• Coordinate outstanding documentation with clients and third parties
  
• Monitor timelines and proactively move files toward approval and funding
  
• Ensure files meet compliance, documentation, and audit requirements
  
• Maintain accurate records and organized file documentation throughout the process
  
• Troubleshoot challenges and identify solutions to keep transactions progressing smoothly
  

Client Communication & File Coordination

• Serve as a key point of contact for clients throughout the mortgage process
  
• Provide timely updates and maintain proactive communication
  
• Coordinate document collection and outstanding requirements
  
• Support clients through the fulfillment process from submission to funding
  
• Ensure a positive, professional, and organized client experience
  
• Assist with post-funding follow-up activities as required
  

Systems, Processes & Administration 

• Maintain accurate and organized electronic files
  
• Support CRM management, workflow tracking, and file progression
  
• Help improve systems, efficiencies, and operational workflows
  
• Support client communication processes and follow-up activities
  
• Contribute to the overall organization and efficiency of the business
  

What Success Looks Like

• Mortgage files are processed accurately and efficiently from submission through funding
  
• Documentation is complete, compliant, and lender-ready
  
• Lender conditions and deadlines are managed proactively
  
• Clients receive timely communication and professional support throughout the process
  
• Files move forward with minimal oversight
  
• Systems, records, and workflows remain organized and up to date
  
• The successful candidate becomes a trusted and reliable extension of the business
  

Requirements

Minimum 5 years of experience in mortgage fulfillment, underwriting support, mortgage administration, or mortgage operations within the Canadian broker channel

Strong understanding of the mortgage process from application through funding

Experience working with lender submissions, conditions, document collection, and fulfillment activities

Familiarity with A, B, alternative, private, and credit union lending environments

Working knowledge of mortgage underwriting principles and lender guidelines

Experience reviewing income documentation, credit reports, and supporting mortgage documentation

Strong attention to detail with a focus on accuracy, compliance, and file quality

Excellent organizational and time management skills

Strong written and verbal communication skills

Ability to manage multiple files and competing priorities simultaneously

Comfortable working independently in a fully remote environment

Proactive, resourceful, and solution-oriented approach to problem solving

High level of professionalism and commitment to client service

Preferred Qualifications

• Active Mortgage Agent or Mortgage Broker license in Alberta
  
• Experience using Finmo, Filogix, Jungo and Salesforce
  
• Experience working with self-employed borrowers, rental property financing, and alternative lending scenarios
  
• Exposure to commercial or development financing
  
• Experience supporting a high-volume mortgage professional or brokerage environment
  
• Fluency in Tagalog is an advantage