Mortgage Underwriter #100736
Mortgage Underwriter #100736
Request ID: 100736-1
Start/End Dates: 4/6/2026 - 10/5/2026
Work Location: REMOTE - training at downtown Toronto near TTC and GO
Job Title: Professional - Underwriter - Intermediate
Position Title: Mortgage Underwriters
Line of Business: CREDIT ADJUDICATION
Target Start Date: ASAP
Duration: 6 Months
Potential for this contract to be extended or converted to FTE? Yes, both. Ideally looking to convert to Full Time, however could be extended based on volume.
Target Rate Range: $30-40hr on B2B
Hybrid Work - Onsite 3/4 days per week during 5 week training. Afterwards only onsite during monthly townhalls.
Office Location: 81 Bay 28th Floor, downtown Toronto near TTC and GO
Work Schedule (hours per week, start time): 37.5 Hours/week, 10-6 Monday to Friday potential Saturday rotating schedule. Some flexibility around starting and ending.
Reason the role is open? Increase in volume. Bridging resources until there is permanent staff hired.
What project will this contractor be working on? Supporting day to day operations BAU
Team Culture? The Credit Adjudication team makes credit decisions on applications submitted, asses applications & reviews, completes and supports the servicing of the applications until they are moved to the funding team.
Supporting specifically secured lending.
Selling points of the positions: Good opportunity to grow within a large financial institution. The onboard training is very extensive and sets the individuals up for success
Who Will the Candidate Be Working with on a Daily Basis?
• Manager will have approx. 12 intermediate and Senior UWs in the team
• Directly connecting with Business partners
Job Description:
The Analyst, Underwriting is responsible for supporting the review and approval of residential mortgage and real estate applications in a timely and effective manner. The role follows detailed instructions and documented procedures to negotiate, approve, recommend, or decline residential secured and unsecured mortgages and real estate applications within established guidelines and authorized lending limits. The Analyst, Underwriting uses judgement regarding priorities and approaches to review credit information by gathering and critically assessing property-specific third party due diligence reports and negotiating terms for marginal applications. The role provides specialized advice and guidance on company policy, procedures, and security value estimates, resolving basic problems within the scope of their job.
How you'll succeed
• Decision- Maker -Negotiate, approve, decline and recommend applications, within established CIBC processes, guidelines and authorized lending limit of up to $1,500,000, including residential mortgage, real estate secured and unsecured applications.
• Analytical - Gather, review and assess information and documentation to support each credit application within CIBC risk parameters and Insurers guidelines, if applicable.
• Relationship building - Handle, as required, correspondence and telephone inquiries from internal business partners and external business partners such as insurers, appraisers and solicitors.
• Risk- Assessment- Review, prepare and make considered recommendations to Manager or senior underwriter where residential mortgage application is above authority limit.
• Agile - Manage high work volumes to meet short time lines with a high level of quality and due diligence. You will also be expected to review a variety of lending products on a day to day basis.
Must Have Requirement:
• 3-4 Years Retail mortgage underwriting experience. Mostly residential Mortgages. 3-4 yrs RESL experience in retail mortgage underwriting – or related roles as we recently discussed, such as Document fulfillment officer, associate real estate secured underwriting
• RESL specific Underwriting (Real-estate Secured Lending)
• Decisioning experience with approval authority
• Credit decision experience
• Experience in reviewing and evaluating documents (income, down-payment, offers, etc..)
• Experience in exceptions rational (*they will be making exceptions themselves)
• Good Understanding of risk mitigation
Nice to Have:
• Any broker or underwriting course experience
• Outlook and Excel skills
• A university Degree
• Familiarity with Canadian Rules and Regulation
• Bilingual - French speaking
Soft Skills:
• Excellent communication – written and verbal
• Attention to detail
• Strong Negotiation Skills
• Technologically Savvy
NOTE:
G.G. Consulting Group uses advanced ATS systems to track and manage candidates and jobs. We do not use AI tools for candidate screening.
Request ID: 100736-1
Start/End Dates: 4/6/2026 - 10/5/2026
Work Location: REMOTE - training at downtown Toronto near TTC and GO
Job Title: Professional - Underwriter - Intermediate
Position Title: Mortgage Underwriters
Line of Business: CREDIT ADJUDICATION
Target Start Date: ASAP
Duration: 6 Months
Potential for this contract to be extended or converted to FTE? Yes, both. Ideally looking to convert to Full Time, however could be extended based on volume.
Target Rate Range: $30-40hr on B2B
Hybrid Work - Onsite 3/4 days per week during 5 week training. Afterwards only onsite during monthly townhalls.
Office Location: 81 Bay 28th Floor, downtown Toronto near TTC and GO
Work Schedule (hours per week, start time): 37.5 Hours/week, 10-6 Monday to Friday potential Saturday rotating schedule. Some flexibility around starting and ending.
Reason the role is open? Increase in volume. Bridging resources until there is permanent staff hired.
What project will this contractor be working on? Supporting day to day operations BAU
Team Culture? The Credit Adjudication team makes credit decisions on applications submitted, asses applications & reviews, completes and supports the servicing of the applications until they are moved to the funding team.
Supporting specifically secured lending.
Selling points of the positions: Good opportunity to grow within a large financial institution. The onboard training is very extensive and sets the individuals up for success
Who Will the Candidate Be Working with on a Daily Basis?
• Manager will have approx. 12 intermediate and Senior UWs in the team
• Directly connecting with Business partners
Job Description:
The Analyst, Underwriting is responsible for supporting the review and approval of residential mortgage and real estate applications in a timely and effective manner. The role follows detailed instructions and documented procedures to negotiate, approve, recommend, or decline residential secured and unsecured mortgages and real estate applications within established guidelines and authorized lending limits. The Analyst, Underwriting uses judgement regarding priorities and approaches to review credit information by gathering and critically assessing property-specific third party due diligence reports and negotiating terms for marginal applications. The role provides specialized advice and guidance on company policy, procedures, and security value estimates, resolving basic problems within the scope of their job.
How you'll succeed
• Decision- Maker -Negotiate, approve, decline and recommend applications, within established CIBC processes, guidelines and authorized lending limit of up to $1,500,000, including residential mortgage, real estate secured and unsecured applications.
• Analytical - Gather, review and assess information and documentation to support each credit application within CIBC risk parameters and Insurers guidelines, if applicable.
• Relationship building - Handle, as required, correspondence and telephone inquiries from internal business partners and external business partners such as insurers, appraisers and solicitors.
• Risk- Assessment- Review, prepare and make considered recommendations to Manager or senior underwriter where residential mortgage application is above authority limit.
• Agile - Manage high work volumes to meet short time lines with a high level of quality and due diligence. You will also be expected to review a variety of lending products on a day to day basis.
Must Have Requirement:
• 3-4 Years Retail mortgage underwriting experience. Mostly residential Mortgages. 3-4 yrs RESL experience in retail mortgage underwriting – or related roles as we recently discussed, such as Document fulfillment officer, associate real estate secured underwriting
• RESL specific Underwriting (Real-estate Secured Lending)
• Decisioning experience with approval authority
• Credit decision experience
• Experience in reviewing and evaluating documents (income, down-payment, offers, etc..)
• Experience in exceptions rational (*they will be making exceptions themselves)
• Good Understanding of risk mitigation
Nice to Have:
• Any broker or underwriting course experience
• Outlook and Excel skills
• A university Degree
• Familiarity with Canadian Rules and Regulation
• Bilingual - French speaking
Soft Skills:
• Excellent communication – written and verbal
• Attention to detail
• Strong Negotiation Skills
• Technologically Savvy
NOTE:
G.G. Consulting Group uses advanced ATS systems to track and manage candidates and jobs. We do not use AI tools for candidate screening.
Job Title
Mortgage Underwriter #100736
Mortgage Underwriter #100736
Job Type
Contract Full-Time
Contract Full-Time
Location
Toronto ON
Toronto ON
Country
Canada
Canada