Mortgage Underwriter & Fulfillment Specialist

Our client is an independent mortgage brokerage based in Alberta. The brokerage focuses on providing clients with expert guidance, access to multiple lending options, and a seamless mortgage experience from start to finish while building long term relationships.
This is not a sales role.
Instead, this opportunity is ideal for an experienced mortgage professional who enjoys the operational side of the business -coordinating mortgage fulfillment activities, managing lender conditions, maintaining compliance standards, supporting client communication, and ensuring mortgage transactions move efficiently from application through funding. Strong mortgage underwriting knowledge is important, as are skills in fulfillment, file management, compliance, and lender coordination.
The successful candidate will play a key role in supporting clients, lenders, and referral partners by managing the underwriting, fulfillment, documentation, and compliance requirements necessary to deliver a seamless mortgage experience.
This is a fully remote position. While we welcome applications from across Canada, preference will be given to candidates located in Alberta.Candidates outside Alberta must be licensed in Alberta.
The RoleAs the Mortgage Underwriter & Fulfillment Specialist, you will take ownership of mortgage files following the initial client consultation and support them through file review, underwriting, lender submission, fulfillment, compliance, and funding.
While this role includes reviewing and assessing mortgage applications, a significant portion of your time will be focused on underwriting, lender submission, fulfillment, compliance and funding.While this role includes reviewing and assessing mortgage applications, a significant portion of your time will be focused on underwriting, lender coordination, document collection and management, condition fulfillment, compliance and ensuring files progress efficiently through the mortgage process.
You will also serve as a key point of contact for clients and lending partners, helping deliver a professional, responsive, and organized experience from submission through funding.
In addition to supporting active mortgage files, you will assist with CRM management, workflow coordination, document collection, and the overall organization of the business.
Key Responsibilities
Review mortgage applications and conduct a thorough review of each application for completeness, accuracy and lender guideline compliance.
Identify potential concerns or documentation gaps early in the process
Structure the mortgage and recommend the most suitable mortgage product, lender, and financing strategy based on the client's goal and qualifications.
Prepare high quality lender submissions and present complete, accurate, and well structured files that clearly tell the client's story and support the approval request.
Provide underwriting insight on self-employed, rental, alternative, and more complex lending scenarios as required
Ensure files are complete, logical, and positioned for successful lender review
Fulfillment, Compliance & Lender Coordination
Submit mortgage applications through lender and broker platforms
Manage lender communication, conditions, and follow-up requirements
Coordinate outstanding documentation with clients and third parties
Monitor timelines and proactively move files toward approval and funding
Ensure files meet compliance, documentation, and audit requirements
Maintain accurate records and organized file documentation throughout the process
Troubleshoot challenges and identify solutions to keep transactions progressing smoothly
Client Communication & File Coordination
Serve as a key point of contact for clients throughout the mortgage process
Provide timely updates and maintain proactive communication
Coordinate document collection and outstanding requirements
Support clients through the fulfillment process from submission to funding
Ensure a positive, professional, and organized client experience
Assist with post-funding follow-up activities as required
Systems, Processes & Administration
Maintain accurate and organized electronic files
Support CRM management, workflow tracking, and file progression
Help improve systems, efficiencies, and operational workflows
Support client communication processes and follow-up activities
Contribute to the overall organization and efficiency of the business
What Success Looks Like
Mortgage files are processed accurately and efficiently from submission through funding
Documentation is complete, compliant, and lender-ready
Lender conditions and deadlines are managed proactively
Clients receive timely communication and professional support throughout the process
Files move forward with minimal oversight
Systems, records, and workflows remain organized and up to date
The successful candidate becomes a trusted and reliable extension of the business
Requirements
Minimum 10 years of experience in mortgage fulfillment, underwriting support, mortgage administration, or mortgage operations within the Canadian broker channel
Strong understanding of the mortgage process from application through funding
Experience working with lender submissions, conditions, document collection, and fulfillment activities
Familiarity with A, B, alternative, private, and credit union lending environments
Working knowledge of mortgage underwriting principles and lender guidelines
Experience reviewing income documentation, credit reports, and supporting mortgage documentation
Strong attention to detail with a focus on accuracy, compliance, and file quality
Excellent organizational and time management skills
Strong written and verbal communication skills
Ability to manage multiple files and competing priorities simultaneously
Comfortable working independently in a fully remote environment
Proactive, resourceful, and solution-oriented approach to problem solving
High level of professionalism and commitment to client service
Preferred Qualifications
Active Mortgage Agent or Mortgage Broker license in Alberta
Experience working with self-employed borrowers, rental property financing, and alternative lending scenarios
Exposure to commercial or development financing
Experience supporting a high-volume mortgage professional or brokerage environment
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