Lead Mortgage Underwriter (Senior Level)

M-LO Mortgages / High-Producing Mortgage Team

ABOUT THE ROLE

M-LO Mortgages is a high-producing mortgage team operating within Mortgage Connection, funding approximately $60M-$80M annually. The business is led by a top-producing broker who drives all sales and client relationships, supported by a lean, high-performance operations team.

We are seeking a Senior Lead Mortgage Underwriter to take full ownership of underwriting and file flow. This role is for an experienced professional who can step in and operate at a senior level from day one - managing deals end-to-end with speed, precision, and exceptional judgment.

This is not a training role.

We pay very well - for the right person.

WHO YOU ARE

You are someone who:

• Seeks excellence and holds very high personal standards
• Is fast, efficient, and thrives in a high-volume environment
• Is a self-starter who takes ownership without needing direction
• Is extremely organized and capable of managing a very busy inbox
• Takes pride in accuracy, follow-through, and white-glove service
• Communicates clearly, confidently, and professionally - on email and on the phone
• Genuinely cares about clients and understands the importance of delivering an exceptional experience

This role is designed for career underwriters who thrive behind the scenes in fast-paced environments. It is not a fit for individuals coming from self-producing broker roles.

KEY RESPONSIBILITIES

Underwriting & Deal Management

• Underwrite mortgage files from application through funding with full autonomy
• Review, analyze, and validate income, credit, property, and supporting documentation
• Structure deals strategically and anticipate lender questions or conditions
• Prepare clean, accurate submissions and communicate directly with lenders
• Manage conditions efficiently to ensure smooth and timely closings

Inbox, Workflow & Leadership

• Own and manage the main team inbox
• Triage incoming leads and applications with urgency and sound judgment
• Delegate tasks to support staff and oversee follow-through
• Maintain strong organization and quality control across all active files

Client & Lender Communication

• Act as a confident point of contact for clients, lenders, and referral partners
• Deliver fast, clear, and accurate responses
• Answer team phone lines with a polished, knowledgeable, and reassuring presence
• Uphold an exceptional customer experience at every touchpoint

Systems, Process & Efficiency

• Work proficiently in Velocity and

Filogix Expert (DOOR)

• Quickly adopt new tools and systems, including AI tools such as ChatGPT
• Continuously look for ways to improve efficiency, workflow, and service quality
• Maintain strict confidentiality and compliance at all times

Required Experience & Qualifications

• Minimum 3-5 years of full-time mortgage underwriting experience supporting a high-producing mortgage broker or team
• Must have worked as an underwriter for someone else - this role is not open to licensed mortgage brokers or agents who have not worked in a full-time underwriting capacity
• Proven ability to manage high deal volume in a fast-paced environment
• Strong understanding of lender policies, income analysis, credit review, and deal structuring
• Exceptional organizational and inbox management skills
• Confident written and verbal communicator
• Proficiency in Velocity and Filogix Expert (DOOR)
• High attention to detail with uncompromising standards for accuracy

Work Schedule, Location & Benefits

• Full-time position with a standard 8-hour workday (excluding lunch), Monday to Friday
• Flexible work environment based on what allows you to perform at your best
• Candidates may work:
• In-office at the

Mortgage Connection underwriting centre, or

• In a hybrid or work-from-home arrangement, based on experience, performance, and role fit
• Highly competitive senior-level compensation, commensurate with experience
• Performance-based bonus opportunities

Health Spending Account (HSA)

How to Apply (Please Read Carefully)

We are intentional in our hiring process and do not request resumes at the initial stage.

To apply, please complete Stage 1 below. Candidates who meet our criteria will be invited to subsequent steps.

Stage 1 - Written Application (Required)

Please submit 5-8 sentences total answering the following :

• Briefly describe your experience underwriting for a high-producing mortgage broker or team, including the pace and volume you supported.
• What specifically stood out to you about this role, and why do you believe you would excel in it?

Email Response

Applications that do not address these questions or clearly demonstrate relevant underwriting experience will not be considered.

Candidates who move forward will be invited to:

• Stage 2: A short 2-3 minute video introduction (BombBomb or Loom)
• Stage 3: A targeted resume review and practical underwriting scenario

This role is ideal for an experienced underwriter who values ownership, excellence, and operating at a high level within a fast-moving, high-standards environment.

Job Type: Full-time