Who we are:
Vault is a non-bank private mortgage lending company that also provides equipment leasing and other
credit products. Vault has a devoted team of experts with decades of experience in both financial services
and real estate. We deliver products and services that meet our borrowers' diverse needs and investment
opportunities that provide attractive returns for investors.
We have a progressive, friendly work environment and a culture of growth. We are looking for a hardworking
professional to join our dynamic team.

About the role:
We are currently seeking a Mortgage Underwriter to join our Credit Team.
You will be responsible for recommending mortgage applications by reviewing, analyzing, and assessing
borrowers' financial information and property evaluation while following established policies and
procedures.
Do you pride yourself on a strong work ethic? Can you tackle detailed document review and engage with
mortgage brokers and borrowers with professionalism and tact? Are you an independent thinker who can
make sound judgments and know what to do with minimal direction? Are you well organized, very efficient,
extremely resourceful, have an adaptable and positive helpful attitude? Then you could be the right fit for
the role!

Responsibilities:

• Exercise consistent, objective and sound credit decisions within authorized limits, escalating where
  appropriate.
• Issue mortgage commitments with appropriate conditions and follow up with mortgage brokers for sign
  back. Providing excellent customer service, including efficient turnaround time to brokers, while
  building and maintaining positive working relationships.
• Work in collaboration with the Mortgage Fulfillment Team to closely manage pipelines, assist in
  collecting outstanding documentation when needed, satisfy the requirements as stipulated in the
  commitment and close deals on a timely basis.
• Maintain up-to-date knowledge of the competition, industry trends and market conditions.
  
• Ensure accurate record-keeping – both electronic and paper-based and ensure that all records are
  stored and retained to meet Company standards.
• Maintain knowledge of all applicable underwriting guidelines.
• Participate in business development activities, tradeshows and presentations as required.

Qualifications:

• Must hold a current BC Mortgage Broker license
• Alternative mortgage market and commercial lending experience an asset.
• Strong documentation skills, with the ability to manage large volumes of documentation.
• Professional, polished, clear verbal and written communication skills.
• Meticulous attention to detail.
• Ability to work in a changing environment with constant moving targets
• Strong organizational skills
• Strong time management skills.