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Commercial Mortgages jobs in Ontario

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    • Direct mentorship from experienced commercial originators.
    • Exposure to sophisticated commercial and construction financing.
    • Speed matters - files evolve daily.
    • M12 Asset Management is a Mississauga, Ontario-based licensed mortgage administrator and non-bank mortgage lender specializing in private mortgage financing for…
    • With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans…
    • Knowledge of private mortgage lending.
    • Type: Full-Time - In Office.
    • Compensation: $130,000–$160,000 Base Salary + Uncapped Performance Bonus.
    • 2-3 years proven experience in the financial services industry, ability to provide complex credit advice including mortgage fulfillment.
    • Managing Payouts: Handling the payoff of the existing mortgage and distributing sale proceeds.
    • Drafting Documents: Preparing closing documents, including…
    • At least 5 years of commercial litigation experience in Canada (commercial, banking/insolvency or civil).
    • Commercial litigation: 5 years (required).
    • We are currently recruiting for experienced full-time Law Clerks and Legal Assistants to join our Mortgage Enforcement and Litigation Departments.
    • With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans…
    • Experience: 5+ years of commercial property management experience managing retail, office, industrial and/or mixed-use properties.
    • In this role, you will have the opportunity to leverage your expertise in banking, influencing, trust development, and client experience to build strong…
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    • In this role, you will have the opportunity to leverage your expertise in banking, influencing, trust development, and client experience to build strong…
    • Preparing personal lending, residential mortgages, and/or member contracts.
    • As Branch Manager you are responsible for leading daily retail operations, driving…
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    • In this role, you will have the opportunity to leverage your expertise in banking, influencing, trust development, and client experience to build strong…
    • Knowledge of the mortgage industry and Scotiabank’s real estate secured lending strategy.
    • Expert knowledge of Scotiabank’s mortgage origination channels and…
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Job Post Details

Commercial Mortgage Underwriter - job post

4 Capital
Kitchener, ON N2G 1B9•Hybrid work
$70,000–$100,000 a year - Full-time
Responded to 75% or more applications in the past 30 days, typically within 1 day.

Job details

Pay

  • $70,000–$100,000 a year

Job type

  • Full-time

Location

Kitchener, ON N2G 1B9•Hybrid work

Benefits

Pulled from the full job description

  • Paid time off
  • Vision care
  • Dental care
  • On-site gym
  • Extended health care
  • Work from home
  • Company events

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: hiring@4capital.ca
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

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