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Position Overview

Reporting to the VP, Sales & Origination, the Mortgage Analyst will support the end-to-end underwriting and funding of alternative mortgage loans in Ontario. This role acts as a primary point of contact for mortgage brokers and borrowers, coordinating closely with internal teams and external partners to ensure timely, compliant, and well-documented mortgage transactions. The ideal candidate thrives in a high-volume environment, exercises sound credit judgment, and is eager to grow within alternative lending. =

Key Responsibilities

Underwriting & Credit Support 

• Underwrite residential mortgage applications within the alternative lending space and prepare concise, well-supported mortgage summaries for Credit Committee review. 

• Review borrower financials, property details, and supporting documentation to assess credit risk and alignment with lending guidelines. 

• Support commercial or complex files as required. 

Deal Execution & File Management 

• Manage mortgage files from application through funding, ensuring conditions are satisfied accurately and on schedule. 

• Prepare, organize, and maintain complete, well-documented mortgage files for internal review, funders, and auditors. 

• Proactively follow up on outstanding documentation for new originations to meet funding timelines. 

Stakeholder & Broker Relationships 

• Act as a primary point of contact for mortgage brokers and borrowers, providing timely updates and clear communication throughout the transaction lifecycle. 

• Coordinate closely with internal teams and external partners, including legal counsel, to facilitate efficient fundings. 

• Build and maintain strong working relationships with mortgage brokers and brokerages through daily interaction and participation in industry events. 

Compliance & Controls 

• Ensure all underwriting and administrative activities are completed in accordance with internal policies and applicable provincial and federal regulatory requirements. 

• Maintain a high standard of accuracy, documentation, and audit readiness across all files. 

Qualifications:

Education & Experience  

• 1-3 years’ experience in Canadian residential mortgage underwriting or alternative lending; exposure to commercial files is an asset. 

• Post-Secondary education with an emphasis on business administration, finance or equivalent. 

• Level 2 Mortgage Agent licence, or ability to obtain within the probationary period. 

Knowledge, Skills & Abilities  

• Ability to thrive in a high-volume, fast paced and collaborative work environment. 

• Self motivated with the ability to work remotely from home.  

• Must live in Ontario to attend industry events.  

• Excellent interpersonal skills, with the ability to connect and build relationships with various individuals inside and outside the organization. 

• Exceptional written and verbal communication skills. 

• Outstanding organizational skills and attention to accuracy and detail. 

• Ability to multitask and prioritize time-sensitive matters. 

• Willingness to put in overtime on occasion, to support our clients and provide exceptional service levels. 

• Occasional attendance at local industry events and travel to BC. 

Why join PHL

We offer a supportive and engaging work environment where your creativity and skills matter, giving you the opportunity to make a meaningful impact with a passionate team that prioritizes growth for everyone. 

• Exposure to a diverse alternative mortgage portfolio 

• Direct interaction with brokers and decision-makers 

• Opportunity to grow underwriting authority  

• Collaborative, entrepreneurial environment with a national footprint 

• Compensation includes a base salary of $70,000 – $90,000 plus generous bonus  

• Vacation and comprehensive benefit plan (100% covered health, dental, vision care)  

• RRSP matching