About the role

Quality Assurance Analyst reviewing Canadian mortgage applications for compliance, fraud, and underwriting risks. Supporting audits and advising nesto’s mortgage technology and financing business.

Responsibilities

Review a daily sample of mortgage applications, both pre-funding and post-funding, for compliance with nesto Group policies, underwriting standards, and regulatory requirements.
Assess file data, financial documents, client information, broker and insurer communications, and legal documentation to identify deviations from policy.
Identify unusual behavior, suspicious transactions, and invalid documentation using insurer “Heads Up Files” and internal referrals.
Conduct preliminary investigations and take necessary action on suspect files to mitigate misrepresentation risk and potential loss.
Prepare QA reports with findings and recommendations, and perform further analysis as directed by Risk or QA Management.
Support partner, investor, and insurer audits from preparation through resolution of findings.
Assist in the management, periodic control, and review of approved lists and AML lists.
Conduct QA/QC reviews regularly, promptly, efficiently, and objectively.
Provide guidance, opinions, and recommendations to underwriting staff and stakeholders on credit issues, loss mitigation, flood/property risk, and training opportunities.

3 to 5 years minimum experience in mortgage approval/adjudication.
Experience with the mortgage broker channel is an asset/preferred.
Proficient in Microsoft Office (Excel, Word, SharePoint).
Proficient in Google Workspace (Drive, Sheets, Docs).
Experience with CRM and workflow tools, including Salesforce.
Strong understanding of insurer guidelines, both internal and external.
Practical knowledge of fraud implications, detection methods, and prevention techniques.
Analytical thinking and negotiation/problem-solving skills to spot trends and anomalies in underwriting practices.
Ability to work independently with limited supervision.
Ability to manage and prioritize urgent requests.
Willingness and ability to make unpopular recommendations when required.
Fluent bilingualism (French and English) preferred.
Excellent ability to communicate findings to management and underwriters.

Employee mortgage program: exclusive preferred rates.
Comprehensive health coverage: extended benefits (health, dental, vision) with prescription drug coverage at 100%.
Unlimited access to telemedicine and mental health services.
Group retirement savings plan (RRSP/PRPP) with competitive company matching contributions.
4 weeks paid vacation.
Fully remote option or work from one of the offices.
Work alongside high-performing talent in the industry.
Accelerated growth and extensive exposure to production systems.
Premium benefits plan fully paid by nesto, including comprehensive insurance and unlimited access to telemedicine and mental health services for you and your family.
Access to the resources and technology needed to execute without friction.
Flexible environment (fully remote or in-office across Montreal, Quebec City, Toronto, etc.).