Our client in the Financial Services industry is looking for a perm Bilingual Residential Mortgage Underwriter to join their team in Montreal. The ideal candidate will bring hands-on experience in B lending and residential underwriting, or a strong background in mortgage fulfillment, and is eager to contribute to a dynamic and fast-paced lending environment.

This is a hybrid role (in office 3 days a week) in Montreal. This role offers 3 weeks vacation, a bonus structure and a full benefits package. 

Roles and Responsibilities

• Review and assess residential mortgage applications to ensure compliance with internal guidelines and lending policies
• Analyze credit, income, property, and other risk factors to determine borrower eligibility
• Ensure all required documentation is complete, accurate, and meets regulatory and company standards
• Collaborate with mortgage brokers, business development managers, and internal teams to obtain necessary information and resolve issues efficiently
• Communicate underwriting decisions and conditions clearly and professionally
• Maintain strong knowledge of B lending policies, industry regulations, and real estate market trends
• Contribute to ongoing process improvements within the underwriting and funding cycle
• Meet service-level agreements (SLAs) and turn-around times while maintaining quality and risk standards

Qualifications and Skills

• 3+ years of experience as a Residential Mortgage Underwriter, preferably within a B lender environment or strong experience in mortgage fulfillment with a deep understanding of underwriting principles
• Familiarity with alternative lending guidelines, credit adjudication, and risk assessment
• Proficiency with mortgage software platforms and underwriting tools
• Excellent attention to detail, analytical skills, and decision-making abilities
• Strong communication and interpersonal skills to work effectively with internal and external stakeholders
• Ability to work independently in a hybrid setting, with 3 days per week required in-office in Montreal