Senior Mortgage Underwriter – Prime (Canada-Wide Position)

Strive is an award winning Canadian residential mortgage lender obsessed with customer satisfaction. Strive is focused on providing brokers with the best experience when it comes to funding their prime mortgage files. A focus on relationship building, best in market tech, and an all-star team to take the file from start to finish and beyond. We have partnered with all 3 mortgage insurers, and will be offering insured, insurable, and uninsurable products.

National

Salary range: $70,000 – $115,000

Purpose of Role:

The Senior Mortgage Underwriter is the primary point of contact for all originator interaction. Further, they are responsible for the review, processing and approval of mortgage applications, ensuring strict adherence to Strive’s residential mortgage underwriting policy, procedures, and applicable guidelines.

Responsibilities:

• Deliver an exceptional customer service experience in every interaction
• Investigate, evaluate, negotiate, and approve or decline applications based on authorized lending limits and within Strive Capital’s Residential Underwriting guidelines and current legislation
• Assist other Underwriters and Fulfillment with questions or concerns
• Build, maintain and enhance customer service levels. Verify and validate customer eligibility and material risk documentation for accuracy while mitigating any concerns surrounding suspected misrepresentation
• Gather any necessary information required to coordinate and analyze credit applications and ensure consistent, objective, and sound credit decisions in a high-volume environment
• Analyze and submit recommendations regarding credit applications which exceed their authorized limit
• Analyze and submit (where applicable) applications requiring Mortgage Insurer approval, in compliance with guidelines
• Verify data and information on mortgage applications and credit bureaus to ensure accuracy
• Ensure the attainment of service standards for processing applications in accordance with company policies and procedures
• Resolve any escalated credit issues, reply to internal and external client queries, and communicate credit decisions
• Keeps up to date on applicable legislation, as well as on the company’s policies, programs, procedures, and mortgage insurer policies
• Ensure awareness and compliance with all aspects of the QA program
• Continuously learn, adapt, engage, and grow in your role and as an integral part of the organization

Regulatory:

Complete all mandatory training, specifically:

• Regulatory
• Privacy
• Compliance and risk management
• AML/ATF
• Quality Assurance
• Act at all times in accordance with Strive’s risk appetite as defined by the RMUP

Confidentiality:

Maintain employee, customer and partner confidentiality as described by Strive’s Employee Handbook.

Qualifications:

• University degree is an asset
• Must have previous single family residential mortgage underwriting experience
• Previous experience developing and maintaining positive broker relationships
• Detailed working knowledge of principles of residential mortgage underwriting and risk management, as well as real estate markets nationally
• Demonstrated ability to flourish in a high-volume environment
• An ability to quickly assess and make accurate decisions
• Commitment to grow as an individual by constantly learning and staying on top of industry changes
• Strong working knowledge of all 3 Mortgage Insurer programs and guidelines
• Positive attitude and commitment to drive company growth with exceptional customer service, strong team collaboration and sound credit decisioning

Employment Type:

Full time with regular working hours (currently remote and in-person hybrid working environment).

About Strive:

Strive was founded in 2020 and has since grown to a team of 85+ industry leaders with many years of experience. We are located in the heart of Toronto, at 110 Yonge Street, Suite 1704, ON M5C 1T4. At Strive, all our team members exhibit excellent collaboration, clear communication, and take a hands‑on approach of support, and respect at every level of the organization. At the same time, we empower all our employees by providing an environment, resources, and tools to solve problems, be challenged, and ultimately grow.

For our customers, we aspire to always exceed their expectations – this is infused into everything and in our mission to provide A Better Lending Experience.

To learn more about Strive, please visit our website or LinkedIn.

What we offer:

At Strive, we offer competitive pay and perks, that include, but are not limited to:

• Competitive base salary and discretionary incentive pay
• Vacation, Paid time off, and holidays
• Competitive benefits package that starts immediately
• A fun and welcoming learning environment to help you grow
• Working 1-1 with senior management and industry leaders
• Training and development catered to your career development needs

Strive is an equal opportunity employer and we are dedicated to fostering an inclusive and barrier‑free work environment for all employees and candidates. We encourage all qualified candidates to apply and if accommodation is required during any stage of the recruitment process, please contact any member of the Management team. We thank all applicants for their interest; however, only those selected for interviews will be contacted.