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Added 31 mins ago
AI
Specialist, Marketing Technology (12-month contract)
AGF Investments
Toronto, ON
- Contract
…campaigns. This role works closely with Marketing, Product, Sales, IT, Compliance and external vendors to support marketing technology initiatives and enhance the effectiveness of AGF's…
Added 31 mins ago
QC
Enterprise Account Executive
Quiet Cabins
Toronto, ON
- Part-time
You'll report directly to the founder and work alongside a small, fast-moving sales team. Nobody here clocks in or out. You run your own week, work the way you work best, and you're…
Added 1 hour ago
LG
Territory Sales Repesentative - Canada
LeafFilter Gutter Protection
Calgary, AB
- Full-time
Territory Sales Representative with Leaf Filter
Added 1 hour ago
LG
Territory Sales Repesentative - Canada
LeafFilter Gutter Protection
West Kelowna, BC
- Full-time
Territory Sales Representative with Leaf Filter
Added 1 hour ago
QI
Staff ASIC Verification Engineer, Low Power AI
Qualcomm Innovation Center, Inc.
Markham, ON
- Full-time
Lead complex debug activities through the development cycle (pre and post-silicon)
Added 1 hour ago
LG
Territory Sales Repesentative - Canada
LeafFilter Gutter Protection
Mississauga, ON
- Full-time
Territory Sales Representative with Leaf Filter
Added 1 hour ago
IB
General Manager (Contract)
Indigo Books & Music
Red Deer, AB
- $61,500 to $81,500 CAD / year
- Full-time
…while delivering a customer-centric experience that drives sales, engagement, loyalty, and…
Added 2 hours ago
O
Marketing & Business Development Associate
O-HIVE.AI
Windsor, ON
- Full-time
We are seeking a motivated and results-driven Marketing & Business Development Associate to support O-HIVE's global marketing, sales, and business development activities.
Added 2 hours ago
MH
Manager, Digital Marketing
Mattamy Homes
Toronto, ON
- Full-time
…homebuyers across the country. As Manager, Digital Marketing, you’ll lead high-investment, integrated media initiatives across the full community lifecycle – from bringing new communities…
Added 2 hours ago
BS
Bilingual Director, Communications and Marketing
Bilingual Source
Stoney Creek, NB
- $128,000 to $165,000 CAD / year
- Full-time
Lead experienced communications and marketing professionals while supporting their development and performance.
Added 3 hours ago
I
General Manager (Contract)
Indigo
Red Deer, AB
- $61,500 to $81,500 CAD / year
- Full-time
…while delivering a customer-centric experience that drives sales, engagement, loyalty, and…
Added 4 hours ago
OA
Field Marketing Manager-Acheson, AB
Oldcastle APG
Acheson, AB
- Other
…the Field Marketing Manager acts as a liaison between local sales teams and the broader, national marketing…
Added 4 hours ago
J
Closer
Jugal's
Canada
- Other
You’ll work closely with an outreach partner supporting prospecting and lead generation. Your responsibility will be to manage sales opportunities, build client relationships, negotiate,…
Added 4 hours ago
HT
PD Software for Service
Husky Technologies
Bolton, ON
- Full-time
…passion of our people around the world and their desire to lead change. At the same time, we are not afraid to expect a lot and strive for leadership in all of our key markets. We are a…
Added 4 hours ago
MP
Sales Consultant – Dubai Real Estate
McCone Properties
Vancouver, BC
- Full-time
No. 1 lead generator on Property Finder - leads handed to you every day
Added 5 hours ago
GE
Hospitality F&B Assistant Manager
Grey Eagle Resort & Casino
Calgary, AB
- Full-time
…ability to react to situations that need a sense of urgency, to lead by example and assist in the training of new colleagues. Monitoring daily activities while having attention to details;…
Added 6 hours ago
CC
Retail Shift Leader
Canna Cabana
Calgary, AB · Canyon Meadows, Calgary, AB
- Part-time
Be the sales and customer service leader/role model in the absence of SM/ASM
Added 6 hours ago
P&
Senior Integrated Digital Commerce Manager / Gestionnaire principal(e), commerce numérique intégré
Procter & Gamble
Toronto, ON
- Full-time
In this role, you will play a critical role in delivering $ sales and new user growth through strategic ownership of 12-month winning Advertising to Commerce plans across a P&G Category’s…
Added 6 hours ago
AF
Club Manager
Anytime Fitness Asia
Calgary, AB
- Full-time
State-of-the-art sales training, continued education/development, and support.
Added 7 hours ago
P
Territory Manager - Outside Sales
Priority1
Toronto, ON · ON · Ontario CAN
- Full-time
…Priority-1 seeks Territory Managers that are goal-oriented sales professionals. Individuals must be comfortable on the phone and conducting face to face meetings and have great…
Added 7 hours ago
Technical Product Manager - Geomembrane and Specialty market
Intertape Polymer Group (IPG)
Truro, NS · NS
Position Purpose: Lead the growth and success of an assigned product line by developing market-driven strategies, identifying new opportunities, and advancing product innovation. Through…
Added 8 hours ago
CC
Sales Representative
Crystal Clean Maintenance
NS · Halifax Central, Nova Scotia
- Full-time
Crystal Clean Maintenance Ltd. is seeking a motivated, professional, and results-driven Sales Associate to develop new business opportunities throughout HRM and surrounding areas. The…
Added 9 hours ago
A
Business Development Executive - Toronto, Calgary, Montreal, Vancouver
Avanade
Toronto, ON
- Full-time
We’re hiring in Canada within our sales organization. You’ll be a player-coach - winning business directly while elevating the team around you - backed by one of the most deeply…
Added 9 hours ago
IK
Service Advisor - Temporary
Inland Kenworth
Prince George, BC
- Full-time
- Temporary
Inland Truck & Equipment is an industry leader in the heavy-duty truck and equipment sales, service, and parts marketplace. When we say we’re ALL IN, we mean we’re all in on you and your…
Added 9 hours ago
License Owner / Operator, Toronto
Stranger Soccer
Toronto, ON
What if your passion for football could become something you lead, grow, and make your own?

PADS Financial

Underwriter

Montreal, QC, Canada

Full-time

Apply About employer

Applications open in a new tab.

Job details

Job type: Full-time
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

Social media manager

Montreal, Canada

In-person

Full-time

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.

Apply

Customer service - Mortgage lending

Montreal, Canada

In-person

Full-time

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

Apply

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.

Apply

Head of sales / partnerships

Montreal, Canada

In-person

Full-time

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

Apply

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.

Apply

Social media manager

Montreal, Canada

In-person

Full-time

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.

Montreal, Canada

In-person

Full-time

Customer service - Mortgage lending

Montreal, Canada

In-person

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

In-person

Full-time

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

In-person

Full-time

Head of sales / partnerships

Montreal, Canada

In-person

Full-time

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

Montreal, Canada

In-person

Full-time

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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