Senior Mortgage Underwriter - Mortgage Corporation

Job Description

Posted Monday, February 23, 2026 at 5:00 AM

Date: February 23, 2026

Location: BC, AB

Company: RFA Mortgage Corporation

Job Type: Permanent

Vacancy Status: Replacement Role

Compensation: $80,000 - $90,000

Founded in 1996, RFA (Realty Financial Advisors) is a leading Canadian‑owned real estate firm. Through RFA Bank of Canada and RFA Mortgage Corporation, RFA offers mortgage brokers a complete range of Prime and Alternative mortgage solutions.

We’re looking to fill a Senior Mortgage Underwriter position at RFA Mortgage Corporation
!

RFA Mortgage Corporation, a division of RFA (Realty Financial Advisors), specializes in Prime lending (Insured, Insurable and Uninsurable). Our goal is to be a long‑term leader in the residential lending market by offering more than just competitive rates and compensation. At RFA Mortgage Corporation, we focus on delivering a unique value proposition in the Prime mortgage space, committed to innovation and exceptional service to meet a diverse range of borrower needs.

In this role, the Senior Mortgage Underwriter will review, process and approve mortgage applications in a timely and effective manner resulting in the achievement of RFA Mortgage Corporations overall residential mortgage underwriting policy and applicable guidelines.

Customer Results:

• Underwrite to highest credit quality standards as defined by the Residential Mortgage Underwriter Policy.
• Negotiate, approve, recommend, and decline applications within RFA Mortgage Corporation’s Residential Underwriting Guidelines, including without limitation:
• Review of credit information
• Review of real estate appraisals for consistency, with prevailing market conditions.
• Terms and conditions on all mortgage applications.
• Make sound credit decisions that align with RFA Mortgage Corporation’s values and risk tolerance.
• Follow up on outstanding conditions/documents.
• Review and verify accuracy of required documentation related to the mortgage commitment. Requirements include Income validation, down‑payment validation, collateral validation, title, mortgage statements, tax statements, etc.
• Modify mortgage applications related to changes in documentation reviewed; submitting to Mortgage Insurer(s) where required.
• Identify and escalate instances of suspected fraud to Senior Management and Quality Assurance.
• Maintain service levels in an environment of high volumes and the competing demands of customers and employees.
• Maintain direct contact with mortgage originators via updates specific to the application from fulfillment through to closing.
• Build and maintain exceptional customer service levels.

Operational Efficiency and

Risk Management:

• Responsible for managing and maintaining an assigned pipeline to ensure timely progression, accuracy, and completion of files.
• Identify risks and mitigate according to RFA Mortgage Corporation risk tolerance
• Manage work volumes to meet short timelines with a high level of quality.
• Evaluate real estate and associated risks in a volatile market.
• Handle difficult interactions and unpopular decisions.
• Collaborate and nurture relationship with Fulfilment Specialists and support Management when required.
• Build relationships with mortgage brokers and related business partners.
• Keep up to date with evolving internal and external policies and procedures

Regulatory & Compliance:

• Complete all regulatory and compliance and risk management training.
• Comply with requirements as set by the Compliance function and external regulatory bodies in all instances.
• Act in accordance with the company’s Board‑approved risk appetite and tolerance for risk in all instances.
• Meeting and maintaining a set compliance percentage on monthly internal & external audits

• Must have previous residential mortgage underwriting experience
• Undergraduate university degree is an asset
• Detailed working knowledge of real estate and covenant assessments, legislation and land title systems in all provinces
• Detailed working knowledge of principles of credit analysis and risk management
• Understanding of credit scoring
• Ability to understand financial statements and assess financial viability
• Previo…