Mortgage Underwriter (roles in Western & Atlantic Canada)
About Highclere Capital
Highclere Capital is a growing mortgage finance company focused on delivering innovative lending solutions to underserved borrowers across Canada. With a sharp eye on compliance, service excellence, and responsible growth, we partner with mortgage professionals to deliver tailored financing with speed and integrity. As a remote-first team, we're building a culture rooted in accountability, collaboration, and a shared commitment to doing the right thing — for our brokers, our partners, and one another.
About the Role
As a Mortgage Underwriter, you are responsible for reviewing and assessing residential mortgage applications submitted by broker partners. This role focuses on accurate document analysis, sound credit decisions, and timely communication with brokers and internal teams to support Highclere's high service standards.
Core Responsibilities
File Assessment & Decisioning
- Underwrite mortgage applications in accordance with Highclere's lending guidelines and risk appetite
- Analyze documents including income, credit, down payment, and property valuations
- Identify red flags and escalate exceptions as needed
- Apply insurer and investor conditions with precision
- Liaise with brokers to request clarifications or outstanding documentation
- Partner with Sales to ensure complete and high-quality submissions
- Coordinate with Quality Assurance and AML teams on flagged issues
- Liaise with insurer partners (Sagen, CG, CMHC) on insured/insurable applications
- Manage a personal pipeline to meet service level expectations
- Ensure clear documentation and timely responses to brokers and internal stakeholders
- Maintain audit-ready files with accurate system updates
- Stay current on regulatory policies and internal compliance procedures
- Participate in AML and compliance training
Must-Have:
- 3–5 years of residential mortgage underwriting experience
- Solid understanding of income verification, credit analysis, and document review
- Strong attention to detail and consistent application of underwriting criteria
- Proficient in Microsoft Office and familiar with LOS systems
- Comfortable working in a remote-first, fast-paced environment
- Experience in Alt-A or non-prime lending
- Familiarity with AML procedures and risk detection
- Exposure to both broker and institutional lending environments
- Bilingual in French is an asset
- Be part of a growing company where your underwriting expertise directly shapes outcomes
- Work with a collaborative, broker-focused team that values speed and integrity
- Fully remote role with a supportive, accountable culture
- Clear expectations and room to grow as the company scales
- This role is eligible to participate in the annual bonus program.
- Compensation is consistent across all locations for this remote role.
- Candidates must be legally eligible to work in Canada.
Highclere Capital is an equal opportunity employer and is committed to creating an inclusive, accessible workplace for all employees. Accommodation is available upon request for candidates taking part in all aspects of the recruitment and selection process, in accordance with applicable accessibility legislation. Any information received relating to accommodation will be addressed confidentially.
Use of AI in Recruitment
Highclere Capital may use AI-enabled tools to help review and organize applications. All hiring decisions are made by qualified members of our recruitment team.
