Mortgage Underwriter

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Job Posting: Full-Time Mortgage Underwriter in Toronto, ON.

Hosper Mortgage is a Financial Service company in Toronto, ON. We are multi-awarded for what we do, named top alternative lender in Canada 4 years in a row, and are opening a rewarding position for an applicant whose duties would directly support the ongoing success of our business. This role is heavily detail and customer relationship focused. Day-to-day duties in this role include communicating with brokers, underwriting deal submissions, and coordinating deal closings with our funding and law (legal) team. Success in this role would be measured by your underwriting ability, speed, quality of service to brokers, and overall attention to detail and organization.

The Company: Hosper Mortgage is a collaborative team specializing in Mortgages and Private Market Investments. We share office space with a Real
Estate Law firm and collaborate closely with their team. Working together, the work environment is highly flexible, agile and growth oriented. Hosper’s recent success can be attributed to the great care we take with clients and employees alike. The office is located at 2 St. Clair Ave West (Yonge & St. Clair) and is close to public transit and many food and gym amenities.

Mission Statement:The Hosper Purpose: To be the best alternative to a traditional bank.

• For Investors: we offer predictable, passive, and above market returns.
• For Borrowers: we provide unique financials solutions, as fast as they need it.
• For Brokers: we operate with respect, diligence, and helpfulness.

The Position: We are looking for an experienced Full Time Mortgage Underwriter with a flexible start date to work in-office from our Toronto office. Hone your mortgage underwriting skills as you work with our team to underwrite the growing volume of deal submissions. Work priorities and volume will vary day-to-day but will mostly consist of regular responsibilities. As Hosper is known for speedy closings, trustworthy service, and being overall pleasant to deal with, a detail- oriented candidate who can work in a fast-paced environment is a must, but also someone with an aptitude for working with people and maintaining relationships would do very well in this role. The pay range offered will be based on the prior experience, education, and competencies of the successful candidate. Compensation growth and bonus pay will be based on performance.

Responsibilities:

• Liaise with mortgage brokers from the origination of the deal until closing.
• Work directly with Hosper’s funding team and Hosper’s partnered law firm to coordinate accurate deal closings.
• Review and adjudicate credit reports and appraisals and provide adequate solutions when required.
• Underwrite mortgage deals.
• Provide support to Hosper’s BDM (Business Development Manager).
• Quickly respond to a constant flow of deal submissions and aim to meet target closing dates.

Beneficial Skills & Experience:

• At least 3 years prior underwriting experience with B Lending or Private Mortgage Lending is required.
• Proficiency in Microsoft Word and Excel is required.
• Holds (or willingness to obtain) an active mortgage agent license.
• Prior experience with Mortgage Automator, The Mortgage Office or Dolphin Loan Management Software is a bonus.
• A degree, diploma, or certificate in business administration, finance, or a relative field would be beneficial.
• High level of customer service, the ability to work under pressure and meet deadlines, organization, and attention to detail are all required skills.
• A positive attitude with the ability to maintain trust-based relationships will find long term success as our network grows.
• An affinity for technology, process improvement, and automation will set you up for success.

Why Should You Apply?

• Competitive salary for a Mortgage Underwriting position including bonus pay.
• Excellent dental, vision, and extended health care benefits, paid breaks, paid vacation, 1 paid day off per quarter, and more!
• Numerous staff perks such as a Goodlife membership, quarterly team events, office coffee & snacks bar, and more!
• Great opportunity to be part of a growing company with a flat organizational structure.
• Support from the underwriting team and administrative team, as well as senior management. Most of administrative work is handled by our team, allowing you to focus on answering clients and underwriting deals.
• Our Company places strong emphasis on work life balance and employee well-being. We have a reasonable expectation for working hours, and flexibility to accommodate life as it happens. We have policies for flex hours and personal days. Meet with us to find out more!

Job Types: Full-time, Permanent

Salary: $60,000.00-$75,000.00 per year

Benefits:

• Casual dress
• Company events
• Dental care
• Extended health care
• Flexible schedule
• Life insurance
• On-site gym
• Paid time off
• RRSP match
• Vision care

Flexible Language Requirement:

• French not required

Schedule:

• Monday to Friday

Supplemental pay types:

• Bonus pay

COVID-19 considerations:
We are following all government recommended COVID-19 guidelines in our workspace

Education:

• AEC / DEP or Skilled Trade Certificate (required)

Experience:

• Mortgage Underwriting: 3 years (required)

Work Location: In person