Job Description

Location:

Ontario (Hybrid / Remote)

Company:

Mortgage Fernando Inc.

Position Type:

Full-Time

About Us

Mortgage Fernando Inc. is a boutique mortgage practice based in Ontario, dedicated to delivering a clear, stress-free mortgage experience. We specialize in supporting self-employed professionals, homeowners seeking to access equity, and first-time investors. Our approach emphasizes personalized strategies, transparent guidance, and a high-touch client experience.

The Role

We are seeking a skilled

Mortgage Underwriter

to support the lead Mortgage Advisor from the application stage through to funding. The successful candidate will be responsible for file setup, underwriting analysis, lender submissions, and fulfillment, ensuring that clients experience a smooth and professional journey from application to closing.

Key Responsibilities

Set up and review mortgage applications and supporting documents in FINMO. Verify income, down payment, credit, and property documentation. Identify gaps and request additional information or documentation.

Underwriting & Strategy Support

Assess files against lender policies and guidelines. Develop viable lender options and advise the lead mortgage advisor.

Submission & Lender Relations

Prepare and submit files to lenders. Communicate and negotiate with lender underwriters to secure approvals. Manage escalations and resolve outstanding conditions.

Fulfillment & Funding

Prepare signing packages and coordinate e-signature processes. Request outstanding documentation and order appraisals, as required. Liaise with solicitors and lenders to ensure smooth closing and timely funding.

Client Support

Communicate with clients regarding document requests and condition fulfillment. Provide consistent, professional support throughout the underwriting and fulfillment process. Reinforce the high standard of service that defines Mortgage Fernando Inc.

Qualifications & Skills

Proven experience in mortgage underwriting or mortgage advising within a brokerage or lender environment. Strong understanding of residential mortgage products and lender policies. Exceptional attention to detail and organizational skills. Ability to manage multiple files efficiently in a fast-paced environment. Excellent written and verbal communication skills, with the ability to explain technical requirements clearly to clients. Proficiency with Finmo, Google Workspace, and CRM tools preferred. Collaborative approach with a client-first mindset.

Compensation

Competitive base salary (commensurate with experience). Performance-based bonus per funded file. Opportunities for professional growth within a boutique, client-focused practice.

Why Join Mortgage Fernando Inc.?

Focus on your expertise: underwriting, file management, and client support -- without the pressure of sales or lead generation. Collaborate directly with Mortgage Advisors who manage client acquisition and strategy. Be part of a lean, modern, and high-trust practice where every file receives personalized attention. Flexible working arrangements (hybrid/remote-friendly).
Job Types: Full-time, Permanent

Pay: $50,000.00-$75,000.00 per year

Benefits:

Casual dress Flexible schedule Paid time off Work from home
Experience:

Mortgage Underwriting: 2 years (required)
Licence/Certification:

Mortgage Agent License (required)
Work Location: Hybrid remote in Mississauga, ON L4W 5K4