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Underwriter, Alternative Mortgages

neofinancial

OnSite Calgary, AB
Uncategorized

Job Score

70 pts
On-site model (+70)

Join us to build a more rewarding financial future for all Canadians


At Neo, we’re on a mission to build a more rewarding financial future for all Canadians. Life at a rapidly scaling tech startup isn’t for everyone. It’s complex, fast-paced, high-pressure, but also incredibly fulfilling. Since its founding in 2019, Neo has gained incredible traction and is one of the fastest-growing fintech companies in Canada.

High Performance at Neo: We recruit, hire, and build our company culture around these attributes:

Teamwork: We trust, respect, encourage, and show up for each other — through good times and hard. We’re on this mission not just for ourselves, but also for the people we work with — and ultimately, for our customers.

Ownership: We all have a stake in Neo’s success — so we go out of our way to do what needs to get done. We hold ourselves accountable to deliver on our commitments — to our customers, to our partners, and to our team. When we fall short, we find a way to do better in the future.

Professional Integrity: We’re asking millions of Canadians to trust us with their hard-earned money — so we hold ourselves (and each other) to the highest standards of integrity.

The Role

We're looking for experienced Alternative Mortgage Underwriters who will be responsible for making sound credit decisions, verifying documents and structuring solutions for clients whose needs or circumstances may fall outside of traditional lending criteria from across the country. You’ll take a thoughtful, common-sense approach to underwriting; looking beyond the numbers to understand the full story of each application while balancing customer needs, credit quality and risk. You’ll work closely with our Mortgage Sales team and third party brokers to identify effective financing solutions and deliver an exceptional customer experience. You’ll be an integral part of enabling Neo to deliver a full range of financing products and services partnered with an exceptional customer experience.


If you love a fast paced environment and enjoy solving complex lending scenarios on a team where growth and opportunities are constant, you’ll fit right in with this team!

What you’ll be doing

  • On a daily basis, you will promptly review incoming applications, verify supporting documentation for accuracy and legitimacy, and approve, decline, or refer applications for approval. You will also ensure that approved deals close as scheduled and as efficiently as possible by following up on outstanding conditions/documents and ensuring compliance with established guidelines.

  • Review documents including appraisals to ensure they meet established guidelines.

  • You will ensure that established Service Level Agreements (SLAs), productivity, and risk/audit parameters are met.

  • You will follow up with brokers daily on issued mortgage commitments to maximize funding volumes. You will do this through active pipeline management.

  • You successfully deliver mortgages from the application stage through to funding. You communicate clearly and effectively with the Sales team, mortgage brokers, and internal/external partners to ensure they understand the mortgage process, expectations, and required documentation.

  • You utilize a hands-on approach and problem-solving skills to make prudent decisions on complex mortgage files.

  • You develop subject matter expertise in the functionality and features of products, services, tools, technology, and Salesforce CRM capabilities.

  • You remain current on the latest industry trends to secure a competitive advantage.

  • Perform other duties as assigned.

Who we are looking for

  • You have 3+ years of underwriting experience in the Canadian mortgage industry, in Alternative Mortgage Lending

  • You have a passion for growth and excellence, consistently striving to deliver the highest quality results in a startup environment

  • You bring epic focus and energy, with a strong dedication to client service

  • You have superior communication skills, both verbal and written

  • You're highly organized with exceptional time management capabilities

🚀 Total Rewards

As Neo continues to grow, we’re committed to offering a competitive, market-leading rewards program that reflects the impact our team members make. In addition to salary, our program includes equity — empowering employees to share directly in our momentum today and in the meaningful value we create for years to come.

  • Salary: We provide a strong base salary aligned with market ranges, along with the flexibility to tailor your mix of cash and equity to match your longer term goals. Final compensation is based on your skills, experience, and scope. For exceptional talent, we’re prepared to go above and beyond.

  • Equity Ownership (Where Eligible): At Neo, you don’t just work here, you own a piece of what we’re building. As a full-time team member, you share directly in the upside of one of Canada’s fastest-growing companies. When we win, you win — with real ownership and meaningful long-term wealth-building potential tied to our success.

 

What does life as an Owner at Neo Include?

🇨🇦 You will redefine the financial landscape with top talent in Canada to help everyday Canadians win, and grow quickly while doing it

📈 For eligible roles, ownership structure that enables you to share in our path to victory

🏅Earn BIG with our short term incentive plans (STIP)

👥 Collaborating with the brightest minds to build something meaningful, united by a shared commitment to innovation, curiosity, and excellence

❤️‍🩹 Flexible health benefits & life insurance

🌴 21 Days PTO + stat holidays, and personal leave

💪 Health & personal spending accounts

🤑 A wide variety of discounts through our partner network

🏠 Access to early use of products and discounts on fixed-term Neo mortgages

👶 Parental top-up & equity vesting during long term leave

🎉 Neo night events

🧠 Company wide huddles, and education

Working at Neo:

The people who thrive at Neo are resourceful, growth-oriented, and driven to win. We hold ourselves to high standards because we’re on a mission that matters: to build a more rewarding financial future for all Canadians. As individuals and as a team, we constantly challenge ourselves and each other to raise the bar and deliver exceptional experiences for our customers. Our commitment to customer success drives everything we do, from building world-class products to providing exceptional support at every step of their journey. If this resonates with you, keep reading.

We trust, respect, and support each other. This means honest conversations, constructive input, and empowering each other to move fast and think big. You’ll be surrounded by people who push you to be your best. We primarily collaborate in person across our Calgary, Winnipeg, and Toronto offices, where ideas move quickly and teams build momentum together. As we continue to scale and evolve, we’re looking for builders, innovators, and problem solvers who thrive on challenge–people who would rather blaze a trail through uncertainty than follow a well-paved path.

At Neo, ownership is part of how we think and operate. For select roles, equity participation reinforces that mindset by giving employees a direct stake in the company’s long-term success. Regardless of role, every team member is expected to think like an owner and make decisions that move the business forward.

Apply with us:

We believe in equal opportunity and are committed to creating an inclusive climate where everyone can thrive. Customers trust us with their finances, so successful candidates for this position will be required to undergo a security screening, including a criminal records check and a credit check.

By continuing with your application, you agree to the Candidate Privacy Notice, which guides how we process your personal information for the purpose of your application.

Neo Financial leverages artificial intelligence (AI) to reinforce our candidate evaluation process, including the initial assessment of applications and screening of candidates. These tools support our recruitment team; however, all final hiring decisions are made by humans and are not based exclusively on automated processing. If you require further information regarding our data processing practices, please contact us.

We are hiring for an open, vacant position.

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Discover Other Areas

Understand the scope of work, key skills, and tools used in different career areas.

About Scrum Master

The Scrum Master is the professional responsible for facilitating the adoption of Scrum and agile practices within development teams. They act as servant leaders, removing impediments, promoting continuous improvement, and ensuring Scrum events and ceremonies happen in the best possible way.

Key skills include event facilitation (sprint planning, daily, review, retrospective), backlog management, team coaching, conflict resolution, and agile metrics (velocity, burndown, cycle time). Knowledge of Jira, Trello, Azure DevOps, and frameworks like Kanban, XP, and SAFe is a differentiator.

Scrum Masters in technology companies are highly valued, especially those who can promote team autonomy, create psychologically safe environments, and lead agile transformations at scale. The field offers opportunities from junior scrum master to agile coach, head of agile, and director of agile transformation.

About Photography

The Photography area encompasses the capture, editing, and processing of static images for commercial, advertising, editorial, or artistic purposes. Professionals in this field master lighting techniques, visual composition, camera and lens operation, as well as the use of specialized editing and post-processing software such as Adobe Photoshop and Lightroom.

About Frontend

The Frontend area is responsible for creating the visual interfaces that users interact with on websites and web applications. Frontend professionals combine technical skills with design to deliver intuitive, responsive, and accessible digital experiences.

Key skills include HTML, CSS, JavaScript/TypeScript, frameworks like React, Angular, and Vue, build tools (Webpack, Vite), CSS (Tailwind, Sass), testing (Jest, Cypress), and knowledge of web performance and accessibility (WCAG). Familiarity with design systems and reusable components is a differentiator.

Frontend developers in technology companies are highly valued, especially those who master React, Next.js, web performance, and accessibility. The field offers opportunities from junior developer to frontend architect, with a focus on user experience, performance, and code quality.

About Audiovisual

The Audiovisual area is responsible for producing, editing, and creating video and audio content for various platforms. With the exponential growth of digital content, audiovisual professionals are fundamental for brands that want to communicate visually and impactfully.

Key skills include video production and editing (Premiere Pro, DaVinci Resolve, Final Cut), motion graphics (After Effects), animation (Blender, Cinema 4D), sound design, podcast production, live streaming (OBS Studio), and photography. Knowledge of visual storytelling, rhythm, and art direction is a differentiator.

Audiovisual professionals in technology companies are highly valued, especially those who master motion graphics, social media videos, and content for digital platforms. The field offers opportunities from videomaker to head of audiovisual, with a focus on creativity, technical quality, and storytelling.

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Tech & Remote Glossary

Stop getting lost in interviews and job descriptions

The job market, especially within tech and global companies, has developed its own dialect. Not understanding these acronyms can make you lose valuable opportunities or poorly negotiate your contract. To end this problem, we created the Definitive Glossary for the Remote Professional.

🏢 Work Models & Routine

Async (Asynchronous Work)
A communication model where responses don't need to be immediate. Instead of back-to-back meetings, the team relies on well-structured documents, threads, and messages. It's the gold standard for global companies spanning multiple time zones.
Sync (Synchronous Work)
The opposite of Async. It requires the team to be online and available at the same time for meetings, live chats, and real-time collaboration.
Daily / Stand-up
A quick daily meeting (usually 15 minutes) common in Agile (Scrum) methodologies. The team answers three questions: What did I do yesterday? What will I do today? Are there any blockers?
All-Hands / Town Hall
A company-wide meeting involving all employees. Usually led by the founders (C-Levels) to present results, new goals, and answer team questions.
1:1 (One-on-One)
A recurring individual meeting between a professional and their direct manager. It is used for career alignment, feedback, and problem-solving, not just for project status updates.

💰 Contracts, Benefits & Compensation

PTO (Paid Time Off)
Instead of strict, categorized leave policies, modern US companies usually offer a flexible pool of days (e.g., 20 days of PTO, or even "Unlimited PTO") that you can use for vacations, sick days, or personal matters, while receiving your regular compensation.
Equity / Stock Options
Company ownership. The startup offers you the right to buy shares at a heavily discounted strike price in the future. If the company grows, goes public, or is acquired, these shares can be highly lucrative.
Vesting (Vesting Schedule)
The rule that controls your Equity. It usually lasts 4 years. You don't get all the shares on day one; you "earn" them gradually as you stay with the company. A "1-year Cliff" means you must stay for at least one year to receive your first batch of shares.
RSUs (Restricted Stock Units)
Unlike Stock Options (where you have the right to buy the stock), RSUs are actual shares the company grants you as a bonus or part of your compensation package, following a strict Vesting schedule.
Independent Contractor (1099 / B2B)
The most common international hiring model for global talent working for US companies. You act as a service provider (business-to-business), receiving the gross salary (often six-figure compensation) without standard local payroll tax deductions at the source.

🤖 Recruitment & Hiring Process

ATS (Applicant Tracking System)
The "robot" that reads your resume. Software like Greenhouse, Ashby, and Workday are used to filter candidates by keywords before a human even looks at the document. (Pro tip: this is why your resume must be clean, semantic, and have the right keywords).
JD (Job Description)
The document that lists the responsibilities, technical requirements, and benefits of the open position.
Cultural Fit
The interview stage that evaluates if your core values, communication style, and worldview align with the company's culture. This is the ultimate test of your Soft Skills.
Onboarding
The integration process. It's the period of your first few weeks at the company, where you get your access credentials, learn about the culture, study the internal documentation, and understand how the product works.

🚀 How to use this to your advantage?

The secret isn't just knowing what these acronyms mean, but using them actively. If during an interview for a premium tech role you ask, "How does your PTO policy and Vesting schedule work?", the recruiter will immediately perceive you as a high-level professional, familiar with the global market standards.

The remote job market requires preparation. And having the right vocabulary is the first big step to securing six-figure proposals and standing out among thousands of applicants.

Expert Tip

The Evolution of Support and Customer Success

The Evolution of Support and Customer Success: Opportunities, Tools, and the New Professional Profile

Discover how customer service evolved from a cost center into the ultimate growth and retention engine for the world's leading tech and SaaS companies.

The Current Landscape: From Cost Center to Revenue Engine

Historically, customer support was viewed by companies merely as a reactive department, focused on troubleshooting technical issues and closing tickets. However, with the consolidation of the SaaS (Software as a Service) business model and the subscription economy, the game has drastically changed.

Today, Customer Experience (CX) and Customer Success (CS) are the pillars of a company's financial sustainability. The logic is simple: in a highly competitive market, the Customer Acquisition Cost (CAC) is incredibly high. Losing a customer (Churn) means bleeding money. The modern support professional is, in reality, a strategist focused on retention, account expansion (Upsell/Cross-sell), and ensuring that the client achieves their desired outcomes using the product.

"Acquiring a new customer is anywhere from five to 25 times more expensive than retaining an existing one." — Harvard Business Review

Customer Support vs. Customer Success: Understanding the Difference

Although both areas walk hand-in-hand, their roles and success metrics in the job market are distinct. Understanding this difference is crucial for anyone looking to enter or advance in this career:

  • Customer Support: Predominantly reactive and transactional. The focus is on the speed and efficiency of issue resolution. Common metrics include First Response Time (FRT), Mean Time to Resolution (MTTR), and Customer Satisfaction Score (CSAT).
  • Customer Success: A proactive and long-term function. The goal is to ensure the customer extracts maximum value from the product. CS professionals analyze the Health Score, conduct Quarterly Business Reviews (QBRs), and directly target Net Retention Revenue (NRR) while combating Churn.

Market Opportunities and Global Remote Work

The global market for B2B Support and CS professionals is hotter than ever. Startups and major international corporations are massively hiring talent worldwide to provide 24/7 coverage across different time zones.

Opportunities range from entry-level roles, such as Customer Support Representative (CSR), to high-level executive positions like Key Account Manager, Implementation Specialist, Customer Success Manager (CSM), and Head of CX. For professionals with native or fluent English, "Global Remote" and "US Remote" positions offer highly competitive six-figure compensation packages, equity, and aggressive benefits.

Tech Stack: The Tools You Must Master

To pass through the rigorous ATS (Applicant Tracking Systems, like Greenhouse or Ashby) used by top-tier tech companies, your resume must showcase familiarity with the platforms that orchestrate the customer journey. The most demanded tools include:

  • Zendesk and Intercom: The global leaders in ticket management, asynchronous chat, and omnichannel support automation.
  • Salesforce and HubSpot: Essential CRMs (Customer Relationship Management) to maintain data history and alignment between Sales and Support teams.
  • Jira and Confluence: Atlassian tools crucial for escalating frontline bugs directly to the Engineering and Product teams.
  • Gainsight and Totango: Enterprise-grade platforms specifically built for Customer Success, used to monitor portfolio health predictively.

The Profile of the Modern CX Professional

The stereotype of the agent reading from a rigid script is a thing of the past. Tech recruiters are looking for a profile that blends emotional intelligence with analytical (data-driven) capabilities. The most valued competencies today are:

  1. Empathy and Resilience: The ability to de-escalate frustrated clients and turn crises into loyalty-building opportunities.
  2. Flawless Asynchronous Communication: Especially in remote work environments, clarity in writing emails, documentation, and chat threads is non-negotiable.
  3. Data Literacy: Knowing how to read dashboards, spot where users are getting stuck in the product, and suggest improvements based on hard data.
  4. Product Vision: Modern support acts as the primary feedback loop between the end-user and the Engineering and UX Design teams.