Mortgage Credit Underwriter Job Toronto Ontario Canada,Finance & Banking

Position: Mortgage Credit Underwriter Experience)

Job Title: Mortgage / Credit Underwriter (Canada Experience)

Company: Foreign Venture Group (FVG)

Location: Remote

Employment Type: Full-time / Part-time

About FVG

Foreign Venture Group (FVG) is a global, fully remote organization supporting businesses across multiple industries through specialized operational, marketing, and technology services. We work with international clients and partners, providing scalable solutions while maintaining high standards for quality, compliance, and customer experience.

Job Summary

FVG is seeking a detail-oriented and analytical Mortgage / Credit Underwriter with Canadian market experience to join our remote team. In this role, you will be responsible for evaluating mortgage and credit applications, assessing borrower risk, and ensuring lending decisions align with Canadian lending guidelines, client requirements, regulatory standards, and internal quality benchmarks. This role requires strong judgment, accuracy, and the ability to work independently in a virtual, offshore environment supporting Canadian mortgage files.

Key Responsibilities

Review and underwrite Canadian mortgage and credit applications in accordance with client, investor, and regulatory guidelines

Analyze borrower financial profiles, including credit reports (Equifax and Trans Union), income, employment, assets, liabilities, and debt-to-income ratios

Review income documentation such as T4s, Notices of Assessment (NOAs), pay stubs, and bank statements

Calculate and validate GDS, TDS, and Loan-to-Value (LTV) ratios

Evaluate property-related documentation including appraisals, purchase agreements, title reports, and insurance

Identify risk factors and recommend loan approvals, denials, or conditional approvals

Ensure loan files are complete, accurate, and compliant prior to final decision

Request, review, and validate additional documentation as required

Maintain thorough underwriting notes and documentation within loan origination or credit systems

Communicate underwriting decisions and conditions clearly with remote team members and Canadian client stakeholders

Meet turnaround time and quality benchmarks while managing multiple files remotely

Stay current with underwriting guidelines, Canadian mortgage regulations, and industry best practices

Qualifications & Requirements

Bachelors degree in Finance, Business, Economics, or a related field (or equivalent experience)

Minimum of 2+ years experience in Canadian mortgage or credit underwriting

Strong understanding of Canadian mortgage lending, credit analysis, and risk assessment

Familiarity with underwriting guidelines (Conventional, Insured / Uninsured, or other applicable Canadian programs)

Experience reviewing credit reports, income documentation, and full mortgage loan files

High attention to detail with strong analytical and decision-making skills

Excellent written and verbal communication skills in a remote work setting

Ability to work independently, manage deadlines, and collaborate across time zones

Ability to support partial Canadian working hours

Preferred Qualifications

Experience working in a fully remote or offshore underwriting environment

Familiarity with loan origination systems (LOS) or underwriting platforms

Knowledge of Canadian compliance and regulatory standards in mortgage or consumer lending

Experience supporting multiple Canadian lenders or high-volume underwriting workflows

What Success Looks Like

Underwrite Canadian mortgage and credit files accurately while meeting turnaround time and quality targets

Ensure consistent compliance with client, investor, and Canadian regulatory guidelines

Apply sound risk judgment with minimal rework or audit findings

Manage multiple files efficiently in a fully remote environment

Communicate clear, well-documented underwriting decisions

Adapt quickly to guideline changes and support continuous process improvement

Why Join FVG

Fully remote, global work environment

Opportunity to work with Canadian mortgage portfolios and international clients

Clear processes, performance metrics, and growth opportunities

Collaborative, supportive remote culture


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