Mortgage Underwriter

About the company

Neo Financial is a fast-scaling Canadian fintech on a mission to help people across the country build a stronger, more rewarding financial future. Since launching in 2019, the company has grown rapidly and is now among the country’s most notable high-growth tech businesses. It has earned top recognition in Deloitte’s Technology Fast 50 for 2023, 2024, and 2025, including a first-ever three-year run at number one, and was also named Canada’s fastest-growing company for 2024 by Globe & Mail. The organization serves more than 1 million customers and works with over 10,000 retail partners.

Role overview

This position is for an experienced mortgage underwriter who will assess mortgage files from across Canada. The role partners closely with the mortgage sales team and external brokers to identify practical solutions for customers and help deliver a broad set of financing products with a strong customer experience. The work environment is fast-moving, demanding, and suited to people who enjoy constant growth and challenge.

What you will do

• Assess complex and high-value mortgage applications, including cases involving uncommon borrower situations or property types.
• Move mortgage applications from submission through funding with support from the MFO.
• Communicate clearly with sales, mortgage brokers, and internal and external partners so expectations, required documents, and process steps are well understood.
• Coordinate status updates on active mortgage files with sales, MFOs, coordinators, and third-party brokers.
• Use practical judgment and problem-solving skills to make sound decisions on challenging files, and review mortgage documentation when required.
• Build deep knowledge of product capabilities, tools, technology, and Salesforce CRM functions.
• Stay up to date on industry changes and market trends to help maintain a competitive edge.

What the employer is looking for

• At least 2 years of mortgage underwriting experience in the Canadian market.
• A strong drive for growth and high-quality work in a startup setting.
• High energy, strong client focus, and a commitment to excellent service.
• Excellent verbal and written communication abilities.
• Strong organization skills and the ability to manage time effectively.

Work arrangement and schedule

This role is intended to be office-based where feasible, but remote applicants will also be considered if they are not located near an office. Working hours may occasionally fall outside a standard Monday to Friday, 9:00am to 5:00pm MST schedule, depending on business needs.

Compensation and rewards

The company offers a market-competitive base salary, with room to adjust the mix of cash and equity based on long-term goals. Final pay depends on skills, experience, and scope, and exceptional candidates may be considered beyond the standard range. Eligible full-time employees may also receive equity ownership, short-term incentive opportunities, flexible health benefits, life insurance, 21 days of paid time off plus statutory holidays and personal leave, health and personal spending accounts, partner discounts, early access to products and discounts on fixed-term mortgages, parental top-up with equity vesting during long-term leave, team events, and company-wide learning sessions.

Culture at Neo

People who do well at Neo are resourceful, ambitious, and motivated to achieve results. The company values high standards, accountability, collaboration, and a builder mindset. Teams work closely together in person across Calgary, Winnipeg, and Toronto, while also adapting as the business scales. Ownership is a core principle, and team members are expected to think and act like owners.

Application, screening, and privacy

The company is an equal opportunity employer and aims to maintain an inclusive environment where people can thrive. Because the role involves handling customer financial information, successful candidates must complete security screening, including a criminal record check and a credit check. Applicants also agree to the Candidate Privacy Notice governing personal information processing during hiring. The company uses AI tools to support application review and candidate screening, but final hiring decisions are made by people and are not based solely on automated processing. An open vacancy is being filled for this role.

Compensation range

The stated salary range for this position is CA$60K to CA$80K.