Job description

About Neo Financial

Neo Financial is one of Canada's fastest-growing fintech startups, founded in 2019 and rapidly expanding with over 1 million customers and more than 10,000 retail partners. The company boasts top-ranked mobile apps and credit cards and has been recognized as #1 on Deloitte's Technology Fast 50 for three consecutive years (2023-2025) as well as the #1 Fastest Growing Company in Canada for 2024 by Globe & Mail.

Position Overview

Neo Financial is seeking skilled Mortgage Underwriters to review mortgage applications and underwriting from across Canada. This role involves working closely with the Mortgage Sales team and third-party brokers to deliver tailored financing solutions and provide an exceptional customer experience, supporting the company’s growth and expansion of its financial products.

Key Responsibilities

Underwrite mortgage loans with complexity and high value, including non-standard borrower profiles and property types.
Manage the mortgage process from application through to funding, collaborating with Mortgage Finance Officers (MFOs).
Engage in clear and effective communication with Sales teams, mortgage brokers, and internal/external partners regarding mortgage processes and necessary documentation.
Provide timely status updates on active mortgage files in coordination with Sales, MFOs, Coordinators, and brokers.
Apply problem-solving abilities to make prudent decisions on complex mortgage files; potentially review mortgage documentation as necessary.
Develop expertise in product features, service offerings, technology tools, and Salesforce CRM functionalities.
Stay informed on current industry trends to maintain competitive advantage.

Candidate Profile

Minimum of 2 years’ experience underwriting mortgages within the Canadian mortgage industry.
A strong drive for growth and excellence, thriving in a fast-paced startup environment.
Focused and energetic approach with dedication to delivering outstanding client service.
Excellent verbal and written communication skills.
Highly organized with superior time management abilities.

Additional Information

Work setting favors in-office presence but offers flexibility for remote candidates who are not near an office location.
Working hours may sometimes extend beyond the standard Monday to Friday, 9am-5pm MST schedule, depending on business needs.

Compensation and Benefits

Neo Financial offers competitive base salaries with flexibility to mix cash and equity components based on experience and skills. Exceptional candidates may receive compensation above the stated ranges.

Equity ownership opportunities provide employees a share in the company’s success and long-term wealth-building potential.
Short-term incentive plans to reward outstanding performance.
21 days paid time off plus statutory holidays and personal leave.
Flexible health benefits and life insurance options.
Health and personal spending accounts to support wellbeing.
Access to discounts via partner networks and early product access including discounted fixed-term mortgages.
Parental leave top-up and equity vesting during extended leave periods.
Regular company events, educational initiatives, and collaborative culture emphasizing innovation and excellence.

Work Culture

Neo values resourcefulness, growth mindset, and a relentless commitment to customer success. The team collaborates primarily in person across offices in Calgary, Winnipeg, and Toronto, fostering a dynamic environment driven by innovation, curiosity, and mutual support. Employees are empowered to think like owners, with equity participation reinforcing this mindset where applicable.

Hiring Process and Inclusivity

The company provides equal opportunity employment, striving for an inclusive workplace where all individuals can succeed. Applicants will undergo security screening, including criminal and credit checks. AI tools assist in candidate evaluation, though final hiring decisions are made by humans.

Compensation Range

CA$60,000 to CA$80,000 annually.

Mortgage Underwriter