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145 King St W, Toronto, ON M5H 1J8, Canada Job Description Posted Tuesday, March 17, 2026 at 4:00 AM Date: March 17, 2026 Location: Toronto, ON Company: RFA Mortgage Corporation Job Type: Permanent Vacancy Status: New Role Compensation: Base: $80,000 - $90,000 Bonus: Up to 20 - 25% About RFA Founded in 1996, RFA (Realty Financial Advisors) is a leading Canadian-owned real estate firm. Through RFA Bank of Canada and RFA Mortgage Corporation, RFA offers mortgage brokers a complete range of Prime and Alternative mortgage solutions. The Opportunity Were looking to fill a Senior Mortgage Underwriter position at RFA Mortgage Corporation! RFA Mortgage Corporation, a division of RFA (Realty Financial Advisors), specializes in Prime lending (Insured, Insurable and Uninsurable). Our goal is to be a longterm leader in the residential lending market by offering more than just competitive rates and compensation. At RFA Mortgage Corporation, we focus on delivering a unique value proposition in the Prime mortgage space, committed to innovation and exceptional service to meet a diverse range of borrower needs. In this role, the Senior Mortgage Underwriter will review, process and approve mortgage applications in a timely and effective manner resulting in the achievement of RFA Mortgage Corporations overall residential mortgage underwriting policy and applicable guidelines. Core Responsibilities As a Senior Mortgage Underwriter, you will: Customer Results Underwrite to highest credit quality standards as defined by the Residential Mortgage Underwriter Policy. Negotiate, approve, recommend, and decline applications within RFA Mortgage Corporations Residential Underwriting Guidelines, including without limitation: Review of credit information Review of real estate appraisals for consistency, with prevailing market conditions. Terms and conditions on all mortgage applications. Make sound credit decisions that align with RFA Mortgage Corporations values and risk tolerance. Follow up on outstanding conditions/documents. Review and verify accuracy of required documentation related to the mortgage commitment. Requirements include Income validation, downpayment validation, collateral validation, title, mortgage statements, tax statements, etc. Modify mortgage applications related to changes in documentation reviewed; submitting to Mortgage Insurer(s) where required. Identify and elevate instances of suspected fraud to Senior Management and Quality Assurance. Maintain service levels in an environment of high volumes and the competing demands of customers and employees. Maintain direct contact with mortgage originators via updates specific to the application from fulfillment through to closing. Build and maintain exceptional customer service levels. Operational Efficiency and Risk Management Responsible for managing and maintaining an assigned pipeline to ensure timely progression, accuracy, and completion of files. Identify risks and mitigate according to RFA Mortgage Corporation risk tolerance Manage work volumes to meet short timelines with a high level of quality. Evaluate real estate and associated risks in a volatile market. Handle difficult interactions and unpopular decisions. Collaborate and nurture relationship with Fulfilment Specialists and support Management when required. Build relationships with mortgage brokers and related business partners. Keep up to date with evolving internal and external policies and procedures Regulatory & Compliance Complete all regulatory and compliance and risk management training. Comply with requirements as set by the Compliance function and external regulatory bodies in all instances. Act in accordance with the companys Boardapproved risk appetite and tolerance for risk in all instances. Meeting and maintaining a set compliance percentage on monthly internal & external audits What Youll Need to Succeed Must have previous residential mortgage underwriting experience Undergraduate university degree is an asset Detailed working knowledge of real estate and covenant assessments, legislation and land title systems in all provinces Detailed working knowledge of principles of credit analysis and risk management Understanding of credit scoring Ability to understand financial statements and assess financial viability Previous experience working with mortgage brokers or an external mortgage sales force Working knowledge of PC software in a Windows environment An ability to handle pressure caused by high volumes and tight turnaround times A very strong customer focus is required with an ability to ensure the customer experience is a positive one. An ability to make quick accurate decisions. What Sets You Apart Must have previous residential mortgage underwriting experience Undergraduate university degree is an asset Detailed working knowledge of real estate and covenant assessments, legislation and land title systems in all provinces Detailed working knowledge of principles of credit analysis and risk management Understanding of credit scoring Ability to understand financial statements and assess financial viability Previous experience working with mortgage brokers or an external mortgage sales force Working knowledge of PC software in a Windows environment An ability to handle pressure caused by high volumes and tight turnaround times A very strong customer focus is required with an ability to ensure the customer experience is a positive one. An ability to make quick accurate decisions What We Offer at RFA Along with a strong work culture, RFA offers a comprehensive benefits package, including : Vision Care RRSP Match Health & Wellness Spend Vacation & Personal Days Hybrid working environment Ready to take the next step? If this opportunity excites you and aligns with your skills and aspirations, wed love to hear about how you can contribute to our team at RFA. Accessibility Accommodation is available upon request for applicants and employees with disabilities. If you are contacted for a job opportunity, please advise us of any accommodations needed to ensure you have access to a fair and equitable process. Any information received relating to accommodation will be addressed confidentially. Disclosure Artificial Intelligence (A.I.) is not used to screen, assess, or select any applicants. 145 King St W, Toronto, ON M5H 1J8, Canada #J-18808-Ljbffr