Underwriter
- Montreal, QC, Canada
Full-time
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Job details
- Job type
- Full-time
- Apply by
- Experience
- Minimum of 1-3 years of experience in mortgage underwriting.
- Posting language
- English
- Posted
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
Benefits
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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.
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We are seeking an experienced and motivated Project Manager to oversee the planning, execution, and delivery of our projects.
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In-person
Full-time
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.
- 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.
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.
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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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We are seeking a highly motivated and customer-oriented individual to join our team as a Customer Service Representative in Mortgage Lending.
Apply
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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
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We are seeking an experienced Head of Sales & Partnerships to join our team and lead our partnership efforts.
Apply
Project manager
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We are seeking an experienced and motivated Project Manager to oversee the planning, execution, and delivery of our projects.
Apply
Social media manager
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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
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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
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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
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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
Categories
- Finance & Accounting
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