Waterloo, On Mortgage Jobs – 22 Openings This Week

Commercial Mortgage Underwriter
4 Capital —Kitchener, ON
- $70,000–$100,000 a year
- Full-time
- Hybrid work
- Microsoft Excel
- Finance
- Master's degree
- Dental care
- Paid time off
Quick apply
FSRA-licensed Mortgage Agent/Broker (Full/part time)
Mortgage Outlet —Ontario
- $500–$300,000 a year
- Remote
- Customer service
- English
- Financial services
- Work from home
- Flexible schedule
Quick apply
13d
Bilingual Mortgage Underwriter
Sequence Capital —Ontario
- $80,000–$100,000 a year
- Full-time
- Remote
- Bilingual
- Sales
- English
- Dental care
- Paid time off
Quick apply
Mortgage Agent
Blue Pearl Mortgage Group —Ontario
- $80,000–$150,000 a year
- Full-time
- Remote
- Bilingual
- Customer service
- English
- Work from home
Quick apply
Mortgage Agent
Headway Consultant —Ontario
- $34,274.79–$160,764.76 a year
- Temporary
- Remote
- Sales
- English
- Negotiation
- Work from home
- Flexible schedule
Quick apply
Remote - Mortgage Agent - Level I or II required
Guiding Star Mortgage Group —Ontario
- $1.00–$177,822.53 a year
- Full-time
- Remote
- Customer service
- English
- Financial services
- Work from home
- Flexible schedule
Quick apply
6d
Mortgage Specialist - Guelph
Scotiabank —Guelph, ON
- Sales
- Communication skills
- Negotiation
- Dental care
Real Estate Law Clerk/ Platform Operator (Ontario)
InfoTrack Canada —Ontario
- $50,000–$55,000 a year
- Full-time
- Remote
- Bilingual
- Microsoft Excel
- English
- Dental care
- Paid time off
Quick apply
Mortgage Specialist - Kitchener, Cambridge, Waterloo
Scotiabank —Waterloo, ON
- Sales
- Communication skills
- Negotiation
- Dental care
Real Estate Legal Assistant
Bennett Grant LLP —Kitchener, ON
- From $52,000 a year
- Full-time
- Hybrid work
- Writing skills
- Microsoft Office
- Computer skills
- Dental care
- Paid time off
Quick apply
Real Estate Administrative Assistant
TN Real Estate Group —Kitchener, ON
- $20–$25 an hour
- Weekends as needed
- Google Suite
- Up to 50% travel
- Social media management
- Paid time off
Quick apply
Financial Services Associate - Licensed - Full Time
Meridian Credit Union —Guelph, ON
- $52,000–$78,000 a year
- Weekends as needed
- Sales
- Finance
- Analysis skills
- Tuition reimbursement
- Paid time off
Mortgage Specialist
BMO Financial Group —Waterloo, ON
- Full-time
- Sales
- Customer service
- Analysis skills
- Tuition reimbursement
- Life insurance
5d
Mortgage Analyst
Capstone Asset Management —Cambridge, ON
- $60,000–$85,000 a year
- Microsoft Excel
- In-person
- Business

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FSRA-licensed Mortgage Agent/Broker (Full/part time)
Mortgage Outlet —Ontario
We have an extensive training program, including 3-5 underwriting and lender meetings per week via Zoom. FSRA Ontario License or passed the mortgage exam (…
$500–$300,000 a year
Quick apply
13d

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FSRA-licensed Mortgage Agent/Broker (Full/part time)
Mortgage Outlet —Ontario
We have an extensive training program, including 3-5 underwriting and lender meetings per week via Zoom. FSRA Ontario License or passed the mortgage exam (…
$500–$300,000 a year
Quick apply
13d
Mortgage Agent
Blue Pearl Mortgage Group —Ontario
Join Blue Pearl Mortgage Group, an award-winning national brokerage, where you'll receive qualified leads, full administrative and underwriting support, ongoing…
$80,000–$150,000 a year
Quick apply

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Commercial Mortgage Underwriter

4 Capital
Kitchener, ON

Quick apply

Job details

Full-time
$70,000–$100,000 a year

Qualifications

Economics
Microsoft Excel
Financial auditing
Filing
Finance
Master's degree
Chartered Professional Accountant
Bachelor's
Continuous improvement
Commercial construction experience
Construction experience
Business
Chartered Financial Analyst
Accounting
Communication skills

Full job description

Commercial Mortgage Underwriter – End-to-End File Ownership
Kitchener-Waterloo | Full-Time | In-Office

About Us
4Capital is a rapidly growing real estate capital advisory firm specializing in tailored financing solutions for Canadian commercial real estate investors. With a strong foundation in bridge, term, construction, and CMHC-insured financing structures, we connect institutional and private lenders with real estate investors to execute innovative and efficient debt solutions. Our team has originated over $900M in commercial loans since March 2024, with a clear roadmap to surpass $1B annually.

We are high-performance, collaborative, and driven to become Canada’s most trusted commercial mortgage advisory firm.

The Opportunity
We are seeking a highly motivated Commercial Mortgage Underwriter who will take ownership of the entire file lifecycle: onboarding, document intake, underwriting support, lender submission, condition management, and closing.

This role combines financial analysis, operational precision, and exceptional client communication. It is ideal for a self-starter who thrives in a fast-paced environment and wants deep involvement in every aspect of commercial financing.

Key Responsibilities

Deal Intake & Onboarding

Act as a primary point of contact for new borrowers during initial engagement
Set expectations, request required documentation, and maintain CRM accuracy
Schedule client and partner meetings and prepare agendas

Document Management & Verification

Gather, track, validate, and organize borrower and property documents
Maintain standardized filing structure and compliance readiness

Financial Analysis & Underwriting Support

Review borrower financial profiles, net worth, and liquidity
Interpret rent rolls, P&Ls, construction budgets, and third-party reports
Assist in preparing underwriting packages and lender-ready presentations
Build multi-lender term sheet comparison models and sizing analysis

Submission & Commitment Execution

Support lender submissions, Q&A, and follow-ups
Track deposits, legal fees, and condition timelines
Ensure insurer and lender conditions are satisfied accurately and on schedule

Closing Coordination & Post-Close

Maintain active communication with borrowers, lenders, lawyers, and third-party partners
Confirm all conditions precedent to funding are met prior to closing
Coordinate file transition to servicing with complete documentation

Direct Transaction Exposure

Shadow senior originators on lender and client calls
Participate in property tours and on-site inspections
Own defined lender engagement responsibilities as experience grows

Continuous Improvement

Identify workflow efficiencies and drive SOP development
Support technology enhancements, automation, and data integrity initiatives

Required Qualifications

Bachelor’s degree in Finance, Accounting, Economics, Real Estate or similar (CFA/CPA/AACI/MBA an asset)
2+ years’ experience in commercial underwriting or financial analysis
High proficiency with Excel (analysis, models, pivots, validation)
Strong written and verbal communication skills with a client-focused presence
Ability to manage multiple active files with urgency and precision
Ambition to grow within a high-performance team

Who You Are

Analytical, detail-driven, and accuracy-obsessed
Thrives in fast-moving, high-stakes environments
Demonstrates ownership, you don’t wait to be told
Passionate about real estate and capital markets
Craves responsibility, visibility, and real career acceleration

How We Work

Speed matters - files evolve daily
Precision is mandatory - errors carry six-figure consequences
Accountability is everything - if you touch a file, you own its outcome
Continuous learning mindset - curiosity and proactivity required
Hybrid work from home schedule 2 days a week ( Wednesday & Friday)

This is the right place if you want your progress measured by the real-world deals you help bring to life.

Performance metrics tied to advancement:

volume supported
turnaround velocity
accuracy and audit compliance
lender / borrower feedback

Top performers advance quickly. We promote based on output — not tenure.

Compensation & Benefits

Salary: $70,000–$100,000, commensurate with experience
Performance incentives
Dental, extended health, and travel benefits
Direct mentorship from experienced commercial originators
Exposure to sophisticated commercial and construction financing
High-growth environment with a clear path to leadership

Equal Opportunity
4Capital is committed to diversity, inclusion, accessibility, and accommodation throughout the hiring process.

Ready to Apply?
Submit your resume and cover letter to: [email protected]
Only candidates selected for interview will be contacted.

Job Type: Full-time

Pay: $70,000.00-$100,000.00 per year

Benefits:

Company events
Dental care
On-site gym
On-site parking
Paid time off
Vision care
Work from home

Work Location: In person

Quick apply

Refine Your Search

mortgage jobs in waterloo, on

Commercial Mortgage Underwriter

FSRA-licensed Mortgage Agent/Broker (Full/part time)

Bilingual Mortgage Underwriter

Mortgage Agent

Mortgage Agent

Remote - Mortgage Agent - Level I or II required

Mortgage Specialist - Guelph

Real Estate Law Clerk/ Platform Operator (Ontario)

Mortgage Specialist - Kitchener, Cambridge, Waterloo

Real Estate Legal Assistant

Real Estate Administrative Assistant

Financial Services Associate - Licensed - Full Time

Mortgage Specialist

Mortgage Analyst

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