About RATECORE
RATECORE is a Toronto-based technology company powering Ontario's mortgage rate comparison platform, connecting borrowers with the right products and mortgage professionals. As we scale, we're investing in the people and standards that keep our deal pipeline strong — starting with this role.
The Role
We're looking for an experienced mortgage underwriter to own deal quality across our platform. You'll review and pre-qualify incoming deals, make sure files are complete and credible before they reach our broker and lender partners, and help build the underwriting standards and processes that let us scale. This is part hands-on underwriting, part operations leadership — ideal for a seasoned underwriter ready to shape how things are done, not just process files.
What you'll do
- Review and assess incoming deals on our console: borrower credit, income, debt servicing, LTV, and overall file quality
- Pre-qualify and prioritize deals, flag risks, and ensure files are complete and accurate before they move to broker/lender partners
- Build and refine underwriting guidelines, checklists, and best practices as we grow
- Mentor and support agents and brokers on file quality, documentation, and deal structuring
- Partner with leadership to improve the deal pipeline and turnaround times
- Stay current on Ontario mortgage products, lender requirements, and market conditions
What you bring
- 3+ years of mortgage underwriting experience (lender, brokerage, or financial institution)
- Strong grasp of Canadian mortgage fundamentals: credit assessment, income/debt servicing (GDS/TDS), LTV, and CMHC/insured guidelines
- Sharp eye for detail and risk, with sound, well-reasoned judgment
- Comfort working in digital tools, dashboards, and deal-management consoles
- Strong communication skills — you can explain a decision clearly to an agent or broker
- Self-motivated and ready to help build process from the ground up
Nice to have
- Experience mentoring or leading other underwriters/agents
- Familiarity with the Ontario broker channel and major lenders
- Mortgage industry credentials or relevant designations
Why join RATECORE
Own deal quality and underwriting standards at a growing fintech
Real leadership scope — shape policy and mentor a team, not just clear a queue
Work at the intersection of mortgage expertise and modern technology
Competitive salary + benefits
How to apply
Apply through Indeed with your résumé. Briefly tell us about your underwriting background and the types of deals you've worked on.
Pay: From $45,000.00 per year
Work Location: In person
