Mortgage Underwriter & Fulfillment Specialist - BC

The HR Pro•Kelowna, BC

2d•CA$35 - CA$45•Remote

About The Position

Our client is a growing and highly respected mortgage professional based in British Columbia, focused on delivering thoughtful financing solutions and an exceptional client experience across a wide range of lending scenarios. With a strong foundation in residential lending and growing exposure to alternative, commercial, and development financing opportunities, the business continues to expand and is seeking a Mortgage Underwriter & Fulfillment Specialist to become a trusted extension of the team. 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; however, the primary focus of the role is 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 independent contractor position. While we welcome applications from across Canada, preference will be given to candidates located in British Columbia due to the highly collaborative nature of the role. Candidates outside British Columbia must be comfortable working primarily within Pacific Time business hours. As the Mortgage Underwriter & Fulfillment Specialist, you will take ownership of mortgage files following the initial client consultation and support them through file review, underwriting support, 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 fulfillment, lender coordination, document 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.

Requirements

Minimum 2-3 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

Nice To Haves

Active Mortgage Agent or Mortgage Broker license
Experience using Velocity or similar mortgage submission platforms
Experience using Zoho CRM or other client relationship management systems
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

Responsibilities

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
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
Maintain accurate and organized electronic files
Support CRM management, workflow tracking, and file progression
Help improve systems, efficiencies, and operational workflows
Coordinate document management using Dropbox and other cloud-based platforms
Support client communication processes and follow-up activities
Contribute to the overall organization and efficiency of the business
Review mortgage applications, credit reports, income documentation, and supporting materials
Identify potential concerns or documentation gaps early in the process
Assist with lender selection and deal placement recommendations
Support file preparation and submission readiness
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