Underwriter

Position Title:  Underwriter

Position reports to: Underwriter Manager

Position status:  Full-Time

Position category: Permanent

Location: Calgary, Alberta

Work hours: Monday – Friday 8am – 5pm (40 hours/week, in office)

Join a Team that puts People First!

At Calvert Home Mortgage (CHMIC), we do things differently. As a full-service alternative mortgage investment firm, we don’t just fund mortgages—we empower homeowners, investors, and brokers to achieve their goals by seeing the person behind every mortgage.

We are on a mission to become Canada’s most trusted lending solution, and we do that by putting people first, always doing the right thing, and building real relationships—because at the end of the day, relationships matter more than transactions.

Simply put, our team is the best in the business. Our expertise is second to none, but it’s our caring, people-first approach that truly sets us apart. Founded on the principle of “kitchen table lending,” we take the time to listen, educate, and find the right solutions for our clients—something that, in our experience, isn’t always the norm.

We’re looking for an experienced Underwriter to join our team and be part of an exciting, growth-focused company that truly cares about its employees. At Calvert Home Mortgage, our culture is built on the foundation of our core values: Service, Trust, Education, People, and Solutions. These aren’t just words to us—they guide everything we do, from how we serve our clients to how we support our team. We believe in fostering a positive, collaborative, and rewarding work environment where you can thrive, contribute, and grow with us for the long term.

Why You'll Love Working at Calvert:

•  Competitive Salary & Bonus Program – Your hard work pays off!
•  Share Ownership – Be a part of our success.
•  Extended Health & Dental Benefits – Comprehensive coverage for you and your family, including access to a Health Care Spending Account up to $4,000!
•  Work-Life Balance – Enjoy a location that avoids the downtown commute.
•  On-Site Fitness Facility – Work hard, stay healthy.
•  Free Parking – No stress, no extra costs.

At Calvert Home Mortgage, you’ll be more than just an employee—you’ll be part of a tight-knit team that values you, supports you, and celebrates your success. If you’re ready to build a career where your work truly makes an impact, we’d love to hear from you.

WHAT’S THE BIG IDEA?

As our Underwriter, you’ll play a critical role in helping borrowers, investors, and brokers achieve their real estate goals. You’ll be responsible for underwriting mortgage applications, evaluating risk, and making sound credit decisions that align with our business values and strategic direction. This role goes beyond the paperwork—you’ll build relationships with partners, contribute to sales and marketing initiatives, and grow your knowledge in renewals, enforcement, and short-term lending. If you're analytical, decisive, and passionate about real estate and finance, this is your opportunity to develop into a trusted expert in a fast-paced, people-first lending environment.

HOW DO WE WORK?

As an organization we aim to be trusted advisors, offering an effortless experience in providing short-term lending solutions for the personal and financial success of our clients. Offering the best solutions is highly dependent on the management of risk and compliance within our industry. This role will be a key contributor with the ability to manage and analyze risk. We value a productive, proactive, and fast-paced office environment.

HOW DO YOU FIT IN?

Experience & Education:

•  High school diploma required; post-secondary education is an asset.
•  Minimum 2 years of experience in relevant professional experience in mortgage underwriting or related financial services
•  Applicable Designations considered an asset.
•  Knowledge of mortgage lending laws and regulations
•  Experience with Underwriting Software considered an asset
•  Proficiency in Microsoft Office Suite and strong administrative skills.

Skills & Competencies:

• Research and analysis: Ability to inspect and value real estate, identify potential risks, and analyze market conditions
• Decision making: Perform comprehensive due diligence and make sound underwriting decisions
• Negotiation: Effectively communicate and build consensus between parties
• Active listening and communication: Gather necessary information, understand client needs, and clearly communicate decisions
• Goal orientation: Create value for yourself, clients, and the business through careful credit decisions
• Continuous learning: Strive to become an industry expert and push the limits of your abilities
• Organizational skills: Manage multiple files, clients, and brokers simultaneously, meeting deadlines

WHAT YOU WILL BE DOING

Underwriting Activities (70%)

• Review and analyze mortgage applications and supporting documentation
• Evaluate credit, capacity, and collateral of borrowers
• Ensure compliance with company underwriting policies, processes and procedures and leverage expert industry knowledge making recommendations for improvement
• Present recommendations for applications outside lending limits
• Perform due diligence on all mortgage applications
• Accurately document underwriting tasks and decisions in CRM
• Generate commitment letters and review legal reporting
• Analyze economic information to understand market risks and opportunities
• Continue the development and growth in short-term lending

Sales Management (10%)

• Develop relationships with mortgage brokers, real estate investors, and builders
• Generate mortgage transaction leads
• Manage client retention
• Contribute to weekly underwriting sales and operations meetings

Marketing Management (10%)

• Align personal brand with company values in all communications
• Prepare and present content to generate business
• Nurture leads and identify new partners

Arrears Management (5%)

• Review and act on arrears and delinquency files
• Manage foreclosure processes when necessary
• Update arrears management reports for senior management

General Administrative Activities (5%)

• Collaborate with peers and other departments
• Participate in group activities
• Contribute and assist with the coaching and mentoring of new and/or junior team members
• Pursue personal and professional opportunities
• Identify and leverage opportunities to improve processes

What Success Looks Like in This Role:

• Well-organized and thorough file intake and processing.
• Timely responses to clients, brokers, and borrowers.
• High customer service standards with positive feedback.
• A collaborative team player who contributes to best practices and improvements.
• Positive feedback from brokers, borrowers, and internal team members
• Align with underwriting best practices and contribute to team development
• Achieve unit, department and annual sales goals

Work Environment

• Occasional travel for tradeshows and presentations (1-4 times per year)
• Regular local travel for real estate inspections and client visits

Full training and support for the individual to be successful in this role will be provided.

For more information about Calvert Home Mortgage Investment Corporation, please visit our website at www.chmic.ca.

Please note that candidates applying for openings must be authorized to work in Canada.

We thank all applicants in advance for their interest, however, only those selected for an interview will be contacted.