Underwriter, Alternative Mortgages
Calgary, AB; Toronto, ON; Remote · Remote · region not stated
Posted 19 days ago
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Where you can work from
Location not specified
The listing says: Please note, while this role is listed as both onsite and remote, the remote opportunity is only available to individuals residing within Canada.
The company's headquarters is not the same as where you may work from. Visa sponsorship only matters if you would relocate; see below.
Visa sponsorship, if you would relocate
Sponsorship verdict
Sponsorship possible
One solid signal, not two. Worth applying, and worth asking about sponsorship early.
- Employer is on a government sponsor recordThis employer appears on Canada’s positive-LMIA employer list.
- The posting doesn’t mention sponsorshipSilence isn’t a refusal — ask the recruiter before investing much time.
- No salary bar for this routeCanada has no single salary bar: the employer usually needs a positive LMIA.
- Confirmed live todayWhen a source last listed this job as open.
Details and sources
- Employer is on a government sponsor record
- This employer appears on Canada’s positive-LMIA employer list. Source: Positive LMIA employer list (Employment and Social Development Canada).
- No salary bar for this route
- Canada has no single salary bar: the employer usually needs a positive LMIA. Pay at or above the provincial median wage + 20% (e.g. C$36.92/h in Ontario) puts it in the high-wage stream. Source: https://www.canada.ca/en/employment-social-development/services/foreign-workers/median-wage.html, rules effective 2026-07-17.
Canada: Express Entry no longer awards ranking points for job offers (since 25 Mar 2025); a job offer still counts toward Federal Skilled Worker eligibility.
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About the role
Join us to build a more rewarding financial future for all Canadians
At Neo, we’re on a mission to build a more rewarding financial future for all Canadians. Life at a rapidly scaling tech startup isn’t for everyone. It’s complex, fast-paced, high-pressure, but also incredibly fulfilling. Since its founding in 2019, Neo has gained incredible traction and is one of the fastest-growing fintech companies in Canada.
- #1 on Deloitte’s Technology Fast 50 for 2023, 2024, and 2025 https://www.newswire.ca/news-releases/neo-financial-achieves-first-ever-three-peat-win-as-number-one-on-deloitte-s-technology-fast-50-list-889692540.html — the first company ever to achieve a three-peat at the top!
- #1 Fastest Growing Company in Canada for 2024 by Globe & Mail https://www.businesswire.com/news/home/20240927952651/en/Neo-Financial-Ranks-No.-1-on-The-Globe-and-Mail%E2%80%99s-2024-List-of-Canada%E2%80%99s-Top-Growing-Companies
- Top-ranked mobile apps and credit cards
- Team of 500+ people
- 1M+ customers
- 10K+ retail partners
Please note, while this role is listed as both onsite and remote, the remote opportunity is only available to individuals residing within Canada.
THE ROLE
We're looking for experienced Alternative Mortgage Underwriters who will be responsible for making sound credit decisions, verifying documents and structuring solutions for clients whose needs or circumstances may fall outside of traditional lending criteria from across the country. You’ll take a thoughtful, common-sense approach to underwriting; looking beyond the numbers to understand the full story of each application while balancing customer needs, credit quality and risk. You’ll work closely with our Mortgage Sales team and third party brokers to identify effective financing solutions and deliver an exceptional customer experience. You’ll be an integral part of enabling Neo to deliver a full range of financing products and services partnered with an exceptional customer experience.
If you love a fast paced environment and enjoy solving complex lending scenarios on a team where growth and opportunities are constant, you’ll fit right in with this team!
WHAT YOU’LL BE DOING
- On a daily basis, you will promptly review incoming applications, verify supporting documentation for accuracy and legitimacy, and approve, decline, or refer applications for approval. You will also ensure that approved deals close as scheduled and as efficiently as possible by following up on outstanding conditions/documents and ensuring compliance with established guidelines.
- Review documents including appraisals to ensure they meet established guidelines.
- You will ensure that established Service Level Agreements (SLAs), productivity, and risk/audit parameters are met.
- You will follow up with brokers daily on issued mortgage commitments to maximize funding volumes. You will do this through active pipeline management.
- You successfully deliver mortgages from the application stage through to funding. You communicate clearly and effectively with the Sales team, mortgage brokers, and internal/external partners to ensure they understand the mortgage process, expectations, and required documentation.
- You utilize a hands-on approach and problem-solving skills to make prudent decisions on complex mortgage files.
- You develop subject matter expertise in the functionality and features of products, services, tools, technology, and Salesforce CRM capabilities.
- You remain current on the latest industry trends to secure a competitive advantage.
- Perform other duties as assigned.
WHO WE ARE LOOKING FOR
- You have 3+ years of underwriting experience in the Canadian mortgage industry, in Alternative Mortgage Lending
- You have a passion for