Mortgage Underwriter

About Us Founded in Montreal in 2018, nesto is a leading Canadian fintech company on a mission to offer a positive, empowering, and transparent property financing experience. What started as a digital mortgage broker has quickly evolved into Canada's leading direct-to-consumer (D2C) online lending platform. Through Nesto Cloud, our B2B, cloud-native, end-to-end mortgage technology platform, we empower financial institutions, credit unions, and commercial real estate lenders with intelligent automation, real-time compliance, and seamless integrations across the full lending lifecycle. Together, nesto and CMLS Financial form the Nesto Group, Canada's leading provider of mortgage technology and financing solutions, managing over $73 billion CAD in residential and commercial mortgages with 1,300+ team members across 12 offices nationwide. Our Track Record Hypergrowth: Deloitte Fast 50 – 3 years in a row Tech community credibility: TechTO Canadian Rocketship 2025 Industry leadership: CLA Lending Company of the Year – 4 consecutive years Talent magnet: CMP Top Mortgage Employer 2025 Work Location We are open to candidates located anywhere in Western Canada who can work PST hours. Why We Are Hiring We’re currently growing our team of Mortgage Underwriters to keep up with the significant volume of applications. Here’s some context on the underwriter role supporting the nesto–IG Wealth Management partnership. Since 2022, nesto has partnered with IG Wealth Management to power its mortgage offering through our white-label Mortgage Cloud platform. nesto provides the technology and manages the end-to-end mortgage operations, while IG advisors remain the primary relationship managers for their clients. This role is an end-to-end mortgage underwriting position focused on IG clients, who are often high-net-worth and business-for-self (self-employed), so their files tend to be more complex than standard retail lending. The role involves reviewing documents, assessing risk, working through conditions with advisors, and managing files to completion before handing them off to the funding team. What You’ll Be Doing Underwrite residential mortgage applications within required service timelines for a client base that often includes high-net-worth and business-for-self (self-employed) borrowers. Review and analyze mortgage loan applications and supporting documentation, e.g., credit reports, income verification, asset statements, and appraisal reports, while identifying and mitigating potential risks. Maintain accurate and organized loan files, ensuring all required documentation is present and aligned with company policies and lending guidelines. Work closely with lending partners to resolve issues while maintaining strong working relationships. Provide best-in-class support to nesto’s Mortgage Advisor network and their clients throughout the application process. Keep Mortgage Advisor and customer satisfaction as the top priority. What You Bring Minimum 3 years of mortgage underwriting experience in a private banking or wealth management setting. Extensive experience underwriting mortgage applications for high-net-worth, business-for-self (BFS), or other complex borrower profiles. Bilingualism (English/French) is considered an asset for handling Quebec files, but is not a mandatory requirement. Organized, meticulous, sound thinker, ability to multitask, ability to thrive in a changing environment Strong interest in helping transform the mortgage customer journey. Organized, meticulous, sound thinker, ability to multitask, ability to thrive in a changing environment Strong interest in helping transform the mortgage customer journey. Interview Process Recruiter Screen (30 min): An intro call to learn about your background and give you a real picture of the role. Take-Home Assignment / Case Study: A chance to showcase your skills through a practical exercise relevant to the role. Final Interview (60 min): You'll meet with the recruiter and the hiring manager for a final interview before a decision is made. Offer Stage: Pending successful background, criminal, and reference checks, you'll receive a formal offer to join the team. What We Offer Comprehensive Health Coverage: Top-tier extended health, dental, and vision coverage, featuring 100% drug coverage. Health & Wellness Spending Account: A $1,500 combined annual flex fund for things like gym memberships or extra medical needs. Generous Paid Time Off: 4 weeks of vacation plus 8 personal floater days. Retirement Savings: Access to a group RRSP/DPSP plan featuring competitive company-matching contributions. Telemedicine Services: Access via Dialogue and coverage for licensed practitioner services. Family Support: Parental leave top-up programs for maternity and parental leave. Flexible Work: The possibility to work fully remote or work from one of our offices in Montreal, Quebec, Calgary, Toronto, Vancouver, and more! Diversity and Inclusion At nesto, we believe that creativity and collaboration are the result of a diverse team. We are committed to fostering a culture of diversity, equity, inclusion, and belonging, and we strongly encourage women, people of color, LGBTQIA+ individuals, and individuals with disabilities to apply. We are committed to creating a workplace that is inclusive and welcoming to all.