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Added 14 mins ago
RD
Associate Advisor
RBC Dominion Securities
Vancouver, BC
- Full-time
…experience in the investment field and work as a licensed Registered Representative (RR) with an IIROC…
Added 14 mins ago
MI
CN - Strategic Account Rep
MSC Industrial Supply Co.
Windsor, ON
- Full-time
The Strategic Account Representative is responsible for the development of long-term profitable sales growth through the opening of new, large accounts within a defined geographic area…
Added 15 mins ago
A
Banking Relationship Sales Representative (Small Business Solutions) – Whitby Territory
ADP
Mississauga, ON
- Full-time
ADP is hiring a Banking Relationship Sales Representative (Small Business Solutions). The territory covered for this role is at most 90 minutes from the ADP Prologis location in…
Added 30 mins ago
DH
Sales Representative - Summer/Winter Student
DT Home Reno
Barrie, ON
- Part-time
The Sales Representative - Summer/Winter Student at Barrie Painting and Staining (franchise of DT Home Reno) is responsible for generating sales opportunities, as well as providing…
Added 30 mins ago
BB
Mobile Sales Associate (Seasonal)
Best Buy Canada
Vaughan, ON
- Part-time
Grow your career in similar roles (customer service representative, merchandiser, online order pick-up specialist) or development roles (team lead, assistant store leader, store leader).
Added 30 mins ago
BB
Mobile Sales Associate (Seasonal)
Best Buy Canada
Canada
- Part-time
Grow your career in similar roles (customer service representative, merchandiser, online order pick-up specialist) or development roles (team lead, assistant store leader, store leader).
Added 45 mins ago
Route Service Representative
Cintas
Sudbury, ON
Cintas is seeking a Route Service Representative to manage and grow customer accounts in the Rental Division. Our partners drive a truck along an established route and service and sell…
Added 49 mins ago
VC
outside sales representative
VELUX Canada
Calgary, AB
- $65,000 to $70,000 CAD / year
- Full-time
- On-site
…the way we work. *Job Summary* We are looking for an OUTSIDE SALES REPRESENTATIVE based in the Calgary area looking after the Prairie Provinces territory. This position requires an…
Added 1 hour ago
RB
Billingual Operations Representative
Royal Bank of Canada
Toronto, ON
- Full-time
…ensuring identification of continuous improvement opportunities, development of action plans and solutions through established metrics and reporting…
Added 1 hour ago
Intermediate Project Manager
Babcock & Wilcox
Saint John, NB
Complete project costing, pricing and submittal of proposal to customers and B&W sales personnel
Added 1 hour ago
R
B2B Field Sales / Outside Sales Rep
RYSE
Toronto, ON
- $45,000 to $150,000 CAD / year
- Full-time
We are building a national sales and partner network across dealers, smart home integrators, AV and custom integration firms, installers, contractors, senior living operators, retirement…
Added 1 hour ago
AB
Sales Representative
Arctic Beverages Group of Companies
Thompson, MB
- Full-time
We are seeking an energetic and motivated Sales Representative to join our dynamic sales team from our Thompson, MB location . In this role, you will contribute to the overall success of…
Added 1 hour ago
AS
Retail Sales Representative - Temporary
Advantage Solutions
Vaughan, ON
- $45,000 to $50,000 CAD / year
- Internship
We are hiring a Retail Sales Representative who can work effectively with store management to increase retail sales and execute client driven merchandising that exceed the client’s…
Added 1 hour ago
A
Outside Field Sales Representative (Small Business Solutions)- (Bilingual: English & Cantonese/Mandarin)
ADP
Mississauga, ON
- $71,600 to $121,600 CAD / year
- Full-time
ADP is hiring an Outside Field Sales Representative (Small Business Solutions)- Bilingual: English and Cantonese/Mandarin. This role is focused on the Markham territory.
Added 1 hour ago
SR
Sales Representative Agent (Entry Level) - Work From Home -
Spade Recruiting
Remote, Canada
- Full-time
- Remote
Participate in team meetings, coaching, and optional development sessions
Added 1 hour ago
A
Banking Relationship Sales Representative (Small Business Solutions)
ADP
Burnaby, BC
- Full-time
ADP is hiring a Banking Relationship Sales Representative (Small Business Solutions). The territory covered for this role is at most 90 minutes from the ADP Burnaby location.
Added 1 hour ago
ES
Customer Service Representative
Evolve Strength South Commons
Edmonton, AB
- From $15 CAD / hour
- Full-time
- On-site
…periods of time. Preference for: * Previous customer service, and sales experience. * Basic knowledge of the following professions: Massage therapy, Chiropractic, Athletic Therapy,…
Added 1 hour ago
A
Inside Sales Representative
Avnet
Mississauga, ON
- Full-time
Combines inside sales/customer service and technical/systems knowledge to sell products, services and solutions to new and existing customers/account base through a variety of inbound and…
Added 1 hour ago
DW
Agriculture Sales Representative
Delta Water Products
Medicine Hat, AB
- Full-time
We’re looking for an Agriculture Sales Representative who understands the agriculture space in Southern Alberta, knows how to build genuine relationships, and is comfortable getting out…
Added 1 hour ago
DH
Director of Sales
Design Home Gift & Paper
Toronto, ON · Greater Toronto Area, Canada
- Full-time
Direct national/key accounts sales and in-support of sales representative who sell regional/key accounts
Added 1 hour ago
TI
Account Manager, LCUR
Trane Italia
Laval, QC
- Full-time
Facilitate introductions of key customer contacts to other Trane sales teams for specific opportunity development.
Added 1 hour ago
TI
Sales Development Representative
Trane Italia
Montreal, QC
- Full-time
We're looking for a hungry, competitive Sales Development Representative (SDR) to help fuel our growth.
Added 1 hour ago
TI
Client Services Representative (CSR)
Trane Italia
Burnaby, BC
- Full-time
The Client Service Representative delivers exceptional service and support to our customers by executing the service agreement renewal process, providing quotations and following up on…
Added 1 hour ago
V
Senior Director, Issuing Solutions Sales, Canada
Visa
Toronto, ON
- Full-time
The Senior Director, Issuing Solutions Sales, Canada will serve as a senior commercial leader responsible for driving revenue growth, market expansion, and client adoption across Visa's…
Added 1 hour ago
OS
Commercial Account Representative
Orion Steel Group
Calgary, AB · Navajo Direct
- Full-time
We are seeking a qualified Commercial Account Representative for our Interpro Recycling team to support our Alberta operations. In this role, you will be responsible for the procurement of…

PADS Financial

Underwriter

Montreal, QC, Canada

Full-time

Apply About employer

Applications open in a new tab.

Job details

Job type: Full-time
Apply by: Oct 19, 2026
Experience: Minimum of 1-3 years of experience in mortgage underwriting.
Posting language: English
Posted: Jul 26, 2026

Original job description

About Us

Pads Financial is a Montreal based Fintech startup. Pads is the brainchild of Canadian entrepreneurs who noticed a gap in the lending market. We are the first all online lending platform helping Canadian homeowners obtain equity backed loans. The Pads lending network is also comprised of 100% Canadian private investors.

Pads Financial is vertically integrated; from lead acquisition to loan servicing everything is done in-house to insure excellent customer service, rapid processing, and the best rates. Each step of the loan process is optimized and expedited thanks to our proprietary AI.

As much as we lean on technology, Pads is a people centric organization. We believe in providing our team members with a safe, stimulating work environment where they can do their best work and have many opportunities to grow and develop their skillset.

Pads is shaking up the lending space in Canada with excellent, honest client service, advanced technology and a 100% online application process.

Job Description

Pads is seeking a Mortgage Underwriter to join our team. As a Mortgage Underwriter, you will be responsible for analyzing and evaluating mortgage loan applications to ensure they meet the required criteria and guidelines. You will work closely with other staff members to ensure that all loans are underwritten accurately and efficiently. The ideal candidate will have a strong background in mortgage underwriting which consists of establishing a borrower credit worthiness and a property valuation.

Key Responsibilities

Analyze and evaluate mortgage loan applications to ensure they meet required criteria and guidelines.
Assess the creditworthiness of borrowers and make recommendations for loan approval or denial.
Review and verify borrower information, including income, employment, credit history, debt-to-income ratio.
Review and analyze property information that will be used as collateral.
Ensure that all loan documents are accurate and complete, and that all required documentation is obtained and properly filed.
Identify potential risks and recommend appropriate risk mitigation strategies.
Communicate with processors, and other staff members to resolve any issues or discrepancies.

Requirements

Minimum of 1-3 years of experience in mortgage underwriting.
Experience in residential mortgage underwriting.
Works well in high pressure environment.
Strong analytical and problem-solving skills.
Excellent attention to detail.
Ability to work independently and in a team environment.
Strong communication and interpersonal skills.
Bilingual (French, English) – mandatory.

If you meet the requirements and are interested in this position, please submit your resume and cover letter. We look forward to hearing from you.

Benefits

A dynamic, startup environment and a competitive total rewards package.
A professional office culture with open communication where all ideas are heard and valued.
A competitive vacation offering and benefits package.
Professional development is encouraged and paid for by the Company.
Hybrid work from home-office model.
High growth opportunity.

Open positions

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Social media manager

Montreal, Canada

In-person

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We are seeking a dynamic and creative Social Media Manager to join our team. As a Social Media Manager, you will play a pivotal role in enhancing our online presence and engaging with our audience across various social media platforms. If you're passionate about crafting compelling content, building brand awareness, and driving engagement, we'd love to hear from you.

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Customer service - Mortgage lending

Montreal, Canada

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Full-time

We are seeking a highly motivated and customer-oriented individual to join our team as a Customer Service Representative in Mortgage Lending.

Montreal, Canada

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Bookkeeper

Montreal, Canada

In-person

Full-time

We are looking for an experienced Bookkeeper to join our team. The successful candidate will be responsible for managing all financial transactions, maintaining accurate records, and ensuring compliance with all accounting standards and regulations.

Montreal, Canada

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Head of sales / partnerships

Montreal, Canada

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We are seeking an experienced Head of Sales & Partnerships to join our team and lead our partnership efforts.

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Project manager

Montreal, Canada

In-person

Full-time

We are seeking an experienced and motivated Project Manager to oversee the planning, execution, and delivery of our projects.

Montreal, Canada

In-person

Full-time

Apply About employer

More about this job

Responsibilities

Analyze mortgage applications and assess borrower creditworthiness, financial information, and property collateral to recommend loan approval or denial. Verify loan documentation, identify risks and mitigation strategies, and coordinate with processors and other staff to resolve discrepancies and ensure accurate, efficient underwriting.

Requirements

Requires 1–3 years of experience in residential mortgage underwriting, strong analytical and problem-solving abilities, and excellent attention to detail. Candidates must work effectively under pressure, independently and as part of a team, communicate well, and be bilingual in French and English.

Skills

Mortgage Underwriting
Residential Mortgage Underwriting
Creditworthiness Assessment
Property Valuation
Loan Application Analysis
Risk Assessment
Risk Mitigation
Income Verification
Employment Verification
Credit History Review
Debt-to-Income Ratio Analysis
Document Verification
Analytical Skills
Problem-Solving
Attention to Detail
Communication

Benefits

Vacation
Benefits Package
Paid Professional Development
Hybrid Work Model
Growth Opportunities

Visa sponsorship

Not detected in the job text

Keywords

Mortgage Underwriting
Residential Mortgages
Mortgage Loan Applications
Borrower Creditworthiness
Property Valuation
Collateral
Credit History
Income Verification
Employment Verification
Debt-to-Income Ratio
Loan Approval
Loan Denial
Loan Documentation
Risk Assessment
Risk Mitigation
Loan Processing
Financial Services
Fintech
Private Investors
Artificial Intelligence
French
English

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