Senior Residential Mortgage Underwriter, Specialized Credit (Bilingual)

EQ Bank

EQ Bank

Marketing & Communications

Toronto, ON, Canada

Posted on Apr 9, 2026
Join a Challenger
Being a traditional bank just isn’t our thing, so we challenge ourselves to get creative in providing innovative banking solutions for Canadians.
How do we get there? With a talented team of inquisitive and agile challengers that break through the status quo. So, if you’re passionate about redefining the future of banking—while having fun—this could be your next big opportunity.
Our company continues to grow, and today we serve more than 800,000 customers across Canada through Equitable Bank, Canada's Challenger Bank™, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $142 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021.
The Work
The Senior Residential Mortgage Underwriter, Specialized Credit is responsible for negotiating, recommending, declining, and in some instances, approving mortgage applications within established guidelines, to be secured by new or existing real estate. They are the point of contact for current EQB and Concentra clients referred from multiple internal and external contacts. They must be able to use their vast knowledge of the EQB Single Family suite of products along with credit expertise to educate potential and existing mortgage clients. As well, they are responsible for collecting and verifying required documentation, taking the file to the solicitor instruction stage in a timely and prudent manner within established guidelines. This must be done as efficiently as possible while exercising sound lending judgment and without compromising service and profitability.

The Core Responsibilities!

    • Provide exceptional customer service to Equitable Bank’s/Concentra existing borrowers as well as Direct client inquiries through verbal and written communication channels. The Specialist must ensure that all contact channels are prioritized based on agreed service levels and possess a broad range of knowledge, including the mortgage life cycle and Equitable Bank’s mortgage products and features on a national level.

    • On a daily basis, respond to client inquiries received from multiple internal and external sources as requested via email or phone, follow up on previous inquiries and log all actions and outcomes in designated tracker as well as PPLUS. Email EQB applications to clients and once received pull required credit bureaus for credit adjudication and discuss with clients lending options. Review received mortgage applications along with supporting documentation and negotiate terms with the client and/or mortgage broker, decline the applications or recommend the applications for approval and in some instances, approve the applications. (40%)

    • Ensure that approved deals close as scheduled and as efficiently as possible and cancelled deals are actioned accordingly within acceptable time frame. Follow up with clients on a daily basis on issued mortgage commitments to ensure the efficient closing of mortgage files as well as collection, review and verification of all outstanding documents required as per the mortgage commitment while ensuring compliance with established guidelines (40%)

    • On a daily basis provide the highest level of internal and external customer service while fielding client inquiries and maintaining relationships. Provide underwriting expertise to clients and co-workers and maintain an up-to-date knowledge of company policies, procedures and products. (20%)

Let's Talk About You!

    • Sound thinker with the ability to multi-task

    • Excellent attention to detail

    • Sound knowledge of AML & ATF practices

    • Established and meticulous organizational skills

    • Excellent time management, analytical and problem solving skills

    • Ability to make decisions under pressure

    • Proven ability to thrive in a constantly changing environment and to perform well in a high volume, high intensity environment

    • Highly developed verbal and written communication skills with the ability to respond in a clear, concise and professional manner

    • Displays pride in providing superb customer service

    • 3+ years’ mortgage experience in the alternative and/or prime mortgage market

    • Demonstrated ability to coach and mentor more junior employees

    • Proficiency in MS Office (mainly MS Word and Excel)

    • Completion of a post-secondary degree preferably in a financial field

    • Knowledge of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation is required

    • Bilingual in English and French
What we offer [For full-time permanent roles]
💰 Competitive discretionary bonus
✨ Market leading RRSP match program
🩺 Medical, dental, vision, life, and disability benefits
📝 Employee Share Purchase Plan
👶🏽 Maternity/Parental top-up while you care for your little one
🏝 Generous vacation policy and personal days
🖥 Virtual events to connect with your fellow colleagues
🎓 Professional development and comprehensive Career Development program
💛 A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience
The incumbent will be working hybrid and in office time will be spent working from Equitable Bank’s additional office space located at 2200-25 Ontario Street, Toronto, ON.
Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well.
We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position.
We can’t wait to get to know you!
See more open positions at EQ Bank