Mortgage Underwriter

About the company

Neo Financial is building a better financial future for Canadians through a fast-moving fintech platform. Founded in 2019, the company has grown quickly and operates in a startup environment that is demanding, energetic, and highly rewarding.

• Ranked #1 on Deloitte’s Technology Fast 50 for 2023, 2024, and 2025, becoming the first company to achieve three straight years at the top.
• Named Canada’s fastest-growing company in 2024 by Globe & Mail.
• Offers top-rated mobile apps and credit cards.
• Backed by a team of 500+ employees.
• Serves more than 1 million customers.
• Works with over 10,000 retail partners.

Role overview

This position is for an experienced Mortgage Underwriter who will assess mortgage files, review supporting documents, and underwrite deals from across Canada. You will collaborate with the Mortgage Sales team and external brokers to identify practical solutions for customers while helping deliver a broad range of financing products alongside a strong customer experience.

What you will do

• Assess complex, high-value mortgage applications, including files involving unusual borrower situations or property types.
• Move mortgage deals from application through funding, with support from the mortgage financial operations team.
• Communicate clearly with Sales, mortgage brokers, and internal and external stakeholders so they understand timelines, expectations, and documentation requirements.
• Coordinate status updates for active mortgage files with Sales, MFOs, Coordinators, and third-party brokers.
• Use a practical, solution-oriented approach to make sound decisions on challenging mortgage cases, including document review where needed.
• Build expertise in the company’s products, services, tools, technology, and Salesforce CRM features.
• Stay up to date with current industry developments to help maintain a competitive edge.

What you need

• At least 2 years of mortgage underwriting experience in the Canadian market.
• Strong drive for growth and high performance in a startup setting.
• Excellent client service mindset and strong personal energy.
• Highly effective verbal and written communication abilities.
• Very strong organization and time management skills.

Additional details

The role is preferably based in office when practical, but remote applicants outside commuting distance from an office may also be considered. Working hours may occasionally fall outside a standard Monday to Friday, 9:00am to 5:00pm MST schedule, depending on business needs.

Rewards and benefits

The company offers a competitive reward package that may include a base salary, equity for eligible employees, and short-term incentives. Final compensation depends on skills, experience, and scope, and exceptional candidates may be considered for higher compensation.

• Equity ownership for eligible full-time employees.
• Short-term incentive plans.
• Flexible health benefits and life insurance.
• 21 days of PTO, statutory holidays, and personal leave.
• Health and personal spending accounts.
• Access to partner discounts.
• Early access to products and discounts on fixed-term Neo mortgages.
• Parental top-up and equity vesting during extended leave.
• Team events, company-wide huddles, and learning opportunities.

Life at Neo

People who succeed at Neo are adaptable, ambitious, and motivated to deliver results. The culture emphasizes high standards, ownership, open feedback, and fast-moving collaboration. Teams work closely across the Calgary, Winnipeg, and Toronto offices, and the company is looking for people who enjoy solving difficult problems and helping build something new.

Application and screening

Neo is an equal opportunity employer and is focused on maintaining an inclusive workplace. Successful candidates will need to complete security screening, which includes a criminal record check and a credit check. By applying, candidates agree to the Candidate Privacy Notice governing personal information used during recruitment. The company also uses AI tools to support early-stage application review and candidate screening, while final hiring decisions are made by people. If more information is needed about data processing, candidates may contact the company.

Compensation

The stated compensation range is CA$60,000 to CA$80,000 per year.

Vacancy

This is an open position with one available opening.