Mortgage Underwriter

nesto is Canada's leading digital mortgage lending platform, with a dedicated team of qualified mortgage experts supported by advanced technologies. We're on a mission to offer a transparent, positive, and empowering property financing experience, fully simplified for all Canadians. We deliver on this mission by offering Canadians a leading digital mortgage experience and by empowering other mortgage lenders to improve and streamline their mortgage lending operations with the nesto Mortgage Cloud.

At nesto, we're proud of

• Our clients love our positive, empowering, and transparent mortgage financing experience.
• Our 4.5-star Google reviews speak for themselves!
• We won the CLA Lender of the Year award in both 2023, 2024, and 2025 recognizing our excellence in lending services.
• We are a B Corp certified organization, highlighting our dedication to making a positive impact on our society and our planet.
• Our highly skilled, diverse, and collaborative team makes everything possible!
• Our Mortgage Cloud platform gives financial institutions full access to nesto’s proprietary technology, powering a better client experience, from start to finish.

About the team

nesto is looking for an experienced Mortgage Underwriter to join its growing team. In order to facilitate the fast growth of nesto, we are looking for a highly motivated, organized, fast-moving, mortgage professional with excellent communication, and customer service skills. This person will get to play a key role in our team.

Work Location

We are specifically looking for a candidate located in British Columbia, Alberta, or Manitoba. While this is a remote position, residency in one of these provinces is required.

What you'll be doing

• Adjudicate with Precision & Insight: Review and analyze residential mortgage applications and supporting documentation (credit, income, assets, and appraisals). You will apply sound credit judgment within established authority limits to identify and mitigate risk while ensuring full adherence to regulatory and internal policies.
• Take Ownership of the Pipeline: Manage your end-to-end file pipeline in a high-volume, high-performance environment. You are responsible for ensuring applications are completed within specific timeframes and that deals close on schedule without sacrificing quality.
• Deliver Solutions & Support: Act as a proactive partner to nesto’s internal mortgage advisors. You don’t just provide decisions; you provide solutions. You’ll identify missing information early and engage proactively to resolve complex issues, ensuring a frictionless journey for the client.
• Maintain the "Done Right" Standard: Cultivate a culture of rigorous due diligence. You will maintain organized, airtight loan files where every document is verified and aligned with company policies and lending guidelines.
• Drive Continuous Improvement: Beyond daily underwriting, you will identify process efficiencies and mentor team members, maintaining a "can-do" attitude that thrives in a fast-paced, evolving lending landscape.

Who We’re Looking For

• 5+ years of experience in residential underwriting, experience working in a Credit Union, Monoline, or similar institutional environment will be considered an asset.
• You don’t take files at face value. You are the type of underwriter who digs into the details, asks clarifying questions, and looks for the "how" rather than just settling for a "no."
• You thrive in a high-volume environment. You are organized, self-driven, and take pride in managing your pipeline efficiently without sacrificing quality.
• You operate as part of a team. You are comfortable mentoring others and working across departments to move deals across the finish line.
• Strong interest in helping transform the mortgage customer journey.
• Bilingualism in English and French will be considered an asset.

What we offer

• Comprehensive Health Coverage: Top-tier extended health, dental, and vision coverage, featuring 100% drug coverage.
• Health & Wellness Spending Account: A $1,500 combined annual flex fund for things like gym memberships or extra medical needs.
• Generous Paid Time Off: 4 weeks of vacation plus 8 personal floater days.
• Retirement Savings: Access to a group RRSP/DPSP plan featuring competitive company-matching contributions.
• Telemedicine Services: Access via Dialogue and coverage for licensed practitioner services.
• Family Support: Parental leave top-up programs for maternity and parental leave.
• Flexible Work: The possibility to work fully remote or work from one of our offices in Montreal, Quebec, Calgary, Toronto, Vancouver, and more!

Diversity & Inclusion

At nesto, we believe that creativity and collaboration are the result of a diverse team. We are committed to fostering a culture of diversity, equity, inclusion, and belonging, and we strongly encourage women, people of color, LGBTQIA+ individuals, and individuals with disabilities to apply. We are committed to creating a workplace that is inclusive and welcoming to all.