Mortgage Underwriter & Fulfillment Specialist - BC

This is a remote position.

About the Opportunity

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.

Compensation: $35-$45 per hour, depending on experience, licensing, and overall mortgage industry expertise.

The Role

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.

Key Responsibilities

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

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

Mortgage File Review & Underwriting Support

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

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

#hiringhp

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

Preferred Qualifications

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