Publié il y a 28 jours
Senior Underwriter, Residential Mortgages (Alternative Lending)
@ Vault Credit Corporation
Toronto, Ontario
En bref
Vault Credit Corporation is hiring a senior underwriter for residential mortgages in its alternative lending business. The role adjudicates complex files within an authority limit, contributes to underwriting guidelines and pricing, and works with brokers and the fulfillment team to close deals. The posting states a full-time role with a flexible, growth-focused team.
Responsabilités :
- Adjudicate complex alternative residential mortgage files within authority limit
- Contribute to underwriting guidelines, exception criteria and pricing
- Structure solutions with brokers and issue commitments with conditions
- Review appraisals and income documents, apply KYC/AML and flag fraud risk
- Manage pipeline with the Mortgage Fulfillment team
Résumé des exigences :
- 5+ years residential mortgage underwriting experience
- 3+ years in alternative or non-prime lending
- Working knowledge of the Canadian mortgage market
- Proven judgment on complex and self-employed files
- Strong written and verbal communication
Outils et compétences
Source et dates
Site carrière / système de candidatures · bamboohr
- Date publiée par l’employeur
- 2026-10-14
- Première détection par notre source
- 2026-10-15
- Mise à jour du dossier source
- 2026-10-15
Ces dates décrivent le dossier source, pas une vérification en direct du recrutement. Consultez l’offre originale.
Détails du poste
| Niveau | Senior |
| Domaine | Finance et comptabilité |
| Expérience | 5 an(s) et plus |
| Heures par semaine | 40 (estimé) |
| Déplacements | avion : aucun · route : aucun |
| Milieu de travail | Bureau |
| Position | Surtout assis |
| Exigences physiques | physique faible · ordinateur élevé |
| Langues | English |
Résumé et détails rédigés par l’IA à partir de l’offre; l’offre de l’employeur fait foi.
Vault Credit Corporation
Profil d’entreprise sauvegardé
Renseignements historiques provenant d’un profil The Jobs API sauvegardé (champs LinkedIn/Crunchbase). Ils ne sont pas vérifiés en temps réel; les chiffres peuvent avoir changé. Les valeurs manquantes restent inconnues.
Financing Simplified
Description complète de l’entreprise
Vault makes financing simpler than ever. We serve small to medium businesses all across Canada and cater to a wide spectrum of credit tiers. Our lending is designed for almost any equipment and industry. Flexible pricing and tailored options allow you to build a deal that works for your customer. Vault has industry-leading service levels with experienced underwriters and account administrators, We can adjudicate and fund a new application in hours.
- Abonnés LinkedIn
- 4 165
- Personnes associées sur LinkedIn
- 136
- Bureaux déclarés
- 41 Scarsdale Road, Suite 5, Toronto, ON M3B 2R2, CA
- Catégories d’activité
- Business Information Systems
- Leasing
- Financial Services
- Autres noms enregistrés
- Vault Credit Corporation
- Spécialités
- Lease
- Leasing
- Financing
- Loans
- Lending
- and Lender
- Le profil indique une agence de recrutement
- Non
- Investissement total déclaré
- 0
La devise et la date d’observation ne sont pas fournies; ce n’est ni une valorisation actuelle ni une ronde de financement.
Vault makes financing simpler than ever. We serve small to medium businesses all across Canada and cater to a wide spectrum of credit tiers. Our lending is designed for almost any equipment and industry. Flexible pricing and tailored options allow you to build a deal that works for your customer. Vault has industry-leading service levels with experienced underwriters and account administrators, We can adjudicate…
| Champ | Valeur |
|---|---|
| Secteur | Financial Services |
| Taille | 51-200 employees |
| Siège social | Toronto, ON |
| Type d’organisation | Privately Held |
| Spécialités | LeaseLeasingFinancingLoansLendingand Lender |
| Offres sur Jobsy | 18 |
| Voir la page |
Senior Underwriter, Residential Mortgages (Alternative Lending)
Bring your alternative lending expertise to Vault
Vault is a non-bank mortgage lender with decades of combined experience in financial services and real estate. We lend where the big institutions say no. We are looking for a senior underwriter who has done this work before and wants a hand in shaping how we assess and approve complex files.
You will be one of the senior voices on our Underwriting Team: deciding the tough files, helping set how they are assessed, and helping brokers get to a "yes" within sound credit policy.
What you will do
- Adjudicate alternative residential files within your authority limit, looking past the score to the full story of the borrower, income and property, and escalate with a clear rationale when needed.
- Contribute to underwriting guidelines, exception criteria and pricing recommendations as our business evolves.
- Structure solutions with brokers on complex files (self-employed, non-traditional income, credit challenges, new-to-Canada, equity take-out) and issue commitments with appropriate conditions.
- Review appraisals and income/employment documents for accuracy and legitimacy; apply KYC/AML requirements and flag fraud or compliance risk.
- Work with the Mortgage Fulfillment team to manage the pipeline and close deals on time.
- Share feedback and experience with colleagues to improve process and turnaround.
- Track the market, competitor offerings and trends, and recommend adjustments.
What you bring
- 5+ years of residential mortgage underwriting experience, including 3+ years in alternative or non-prime lending, and working knowledge of the Canadian mortgage market.
- Proven judgment on complex files: income analysis for self-employed and non-traditional borrowers, credit repair profiles, and collateral risk.
- Comfort making decisions with limited direction, and the credibility to explain them to brokers, colleagues and senior leadership.
- Strong written and verbal communication; precise documentation habits.
- Ability to work in a changing environment as our business grows and evolves.
- Nice to have: system testing knowledge, private lending experience, mortgage agent licensing, experience writing policy or training others.
Why Vault
- A senior role with real influence on credit decisions, policy and results.
- Fast, accountable decisioning and direct access to leadership; a small, friendly, flexible, growth-focused team.
Vault is committed to creating a diverse environment and is proud to be an equal opportunity employer. Upon request, Vault will provide reasonable accommodation during the recruitment and selection process. Should you require accommodation, please advise.
Journal
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