Full-time jobs in Richmond Hill, Ontario

Find full-time jobs in Richmond Hill, Ontario and nearby towns within 25 km. Read the full details and apply.

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Within 25 km of Richmond Hill

Added 15 days ago
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Vault Credit Corporation

Senior Underwriter, Residential Mortgages (Alternative Lending)

Toronto, ON, M3B 2R2, Canada

Full-time

Within 25 km of Richmond Hill · About 15.5 km from the city centre

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Job details

Job type: Full-time
Experience: 5+ years of residential mortgage underwriting experience, including 3+ years in alternative or non-prime lending, and working knowledge of the Canadian mortgage market.
Posted: Oct 15, 2026

Original job description

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.

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More about this job

Responsibilities

Adjudicate complex alternative residential mortgage files and contribute to the development of underwriting guidelines and exception criteria. Collaborate with the mortgage fulfillment team to manage deal pipelines while ensuring compliance with KYC/AML and fraud prevention standards.

Requirements

Requires 5+ years of residential mortgage underwriting experience, with at least 3 years specifically in alternative or non-prime lending. Candidates must demonstrate strong judgment in complex income analysis and the ability to make independent credit decisions.

Skills

Residential mortgage underwriting
Alternative lending
Credit risk assessment
Income analysis
Self-employed borrower assessment
Collateral risk
KYC/AML compliance
Fraud detection
Appraisal review
Mortgage fulfillment
Policy development
Decision making
Communication
Documentation
Market analysis

Benefits

Flexible work environment
Growth-focused team

Visa sponsorship

Not detected in the job text

Keywords

Underwriting
Residential Mortgages
Alternative Lending
Credit Risk
Non-prime Lending
Mortgage Fulfillment
KYC
AML
Fraud Risk
Income Analysis
Self-employed
Collateral Risk
Appraisal Review
Credit Policy
Mortgage Agent
Private Lending
Financial Services
Real Estate

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