Mortgage Underwriter

Job Title: Mortgage Underwriter:Requirements:  Mortgage Brokers LicenseSalary Range:  $70,000-$100,000 + BonusesResponsibilities:Reporting to the VP of UnderwritingReview received mortgage applications along with supporting documentation and correspond with brokers to ensure all necessary information has been provided to prepare file for underwriting.Negotiate terms with mortgage brokers, using assigned lending guidelines and pricing parameters.Underwrite and prepare files for submission to Lending Committee.Manage pipeline to ensure approved deals close as scheduled, while ensuring all outstanding funding conditions are satisfied within established timelines.Corresponded with mortgage brokers and other stakeholders in a timely and professional manner, while always maintaining composure and professionalism. Provide underwriting expertise to mortgage brokers, clients and co-workers and maintain an up-to-date knowledge of company policies, procedures, and products. Coordinate full cycle of mortgage funding, including liaising with lawyers, notaries, mortgage/insurance brokers, borrowers, and appraisers.Build positive relationships with Brokers and other partners. Assist the Service team with insight on high-risk deals including declines. Apply Due diligence when processing applications and reviewing documents. Utilization of additional search engines and tools provided for validation.Additional reporting and tasks as assigned by management.Skills & RequirementsHigh degree of accuracy and attention to detail.Mortgage Brokers LiscenceThe ideal candidate will have 3 to 5 years mortgage underwriting experience in the private lending or 'B' lending space.Proficient with property valuation methods and analyzing various appraisal reports. Sound knowledge of AML practices.Excellent time management, analytical and problem-solving skills.Proven ability to thrive in a constantly changing, high intensity environment with ability to always focus and maintain composure while managing up to a dozen active files at a time.Highly developed verbal and written communication skills with the ability to respond in a clear, concise, and professional manner.Display pride in providing superb customer service and finding creative solutions to issues.Proficiency in MS Office (mainly MS Word and Excel). Knowledge of fraud risk in the mortgage industry and the ability to address concerns relating to suspected misrepresentation.What Moves YouYou may be trained to be alert to any potential risks, but you also believe that everyone deserves a fair shot at being a homeowner and you'll explore every avenue and angle when assessing an application.  You're an excellent communicator who listens when people talk; and when you talk, people listen.  You're a born analyst and love the idea of digging deep to find every little detail.  You're a mad multi-tasker, able to juggle projects and deadlines with ease. You know how things get done (and how to get others to help you along the way!).  You know your stuff when it comes to dealing with credit.  You work well on your own but also love being part of and collaborating in a team environment. What You'll GetCompetitive salary.Company Bonus Program!Health & Dental benefitsWork remotely Flexible Schedule & Great working environmentUnlimited learning opportunities. Investment OpportunitiesAbout Shelter Lending:Shelter Lending was founded in 2015 under the name Northern Alliance and rebranded to Shelter Lending in 2019. We are a fast-growing private lender based in Kelowna, BC.  We have lofty goals, we have fun, we work hard, and we have a great work life balance!Core Values·        Fair & Honest - We act with honesty and fairness with a common sense approach·        Solutions & Creativity - We create solutions by asking questions and being creative ·         Decisive & Purposeful - We make decisions quickly ·        Respect & Value - We respect and value all the people we work with - investors, staff, brokers, and borrowers. ·        Thankful & Grateful - We are grateful for our company, and we choose to give back with our time and financial resources.   Real Estate