Position Description

Capstone Mortgage Services (CMS) is a Mortgage Brokerage and Administration firm licensed across multiple provinces, including Ontario, British Columbia, Alberta, and Newfoundland.  Rooted in Biblical values, CMS focuses on serving the Christian community in Canada by brokering and administering mortgages for charities, schools, and churches. CMS works primarily with an impact focused lender base with a mandate to support strategic Kingdom investments on behalf of these lenders.

Capstone Mortgage Services seeks a motivated Mortgage Analyst who, as part of the mortgage brokering/administration team, will provide technical analysis and mortgage underwriting to support the management of our lenders’ proprietary mortgage portfolios.  Reporting to the Principal Broker and General Manager, your background in the investment and/or mortgage industry will provide the platform for this in-office role as part of a flexible and collaborative mortgage brokerage/administrator team based in Cambridge, Ontario.

Duties & Responsibilities:

Provide analysis on potential and current mortgages including mortgage underwriting, financial modeling, and comprehensive due diligence reports to support the portfolio of mortgages under administration.

• Underwrite loans on behalf of the lenders’ proprietary mortgage pools.
• Assist with maintaining client contact during the underwriting process.
• Collaborate on structuring mortgage solutions with lenders and mortgage applicants.
• Prepare recommendation reports to lenders for both new and renewal mortgages.
• Prepare financial modeling to support analysis of financing opportunities.
• Manage, maintain, and update due diligence on existing mortgages, including construction advances, workouts, and general risk metrics and analysis on the current portfolios.
• Support data and research needs of the brokerage, including reporting on mortgages, market and economic data. 

Qualifications, Skills & Experience:

• Business degree or equivalent training/experience
• Experience in real estate markets, with specific exposure to mortgage underwriting and lending.
• Experience and/or advanced education in financial modeling and financial statement analysis.
• Experience (volunteer or employment) with charities and the charitable sector.
• Experience with mortgage brokering (including mortgage agent/broker license), client relations, and compliance would be an asset.
• Ability to speak and read French would be an asset.
• Strong written and verbal communication skills.
• Strong proficiency in Microsoft Excel
• Ability to multi-task while remaining organized.
• Strong attention to detail.
• Strong judgment & problem-solving skills
• Fully aligned with Capstone’s Biblically directed philosophy and values.

Compensation & Benefits:

The annual base salary for this position ranges from $60,000 - $85,000, with a comprehensive compensation and benefits package, including a generous vacation allotment, medical benefits and contributions towards a retirement savings plan. Final compensation will be determined based on experience and qualifications.

Please forward your resume and cover letter in confidence to: careers@capstonemortgage.ca  

We appreciate the interest of all applicants; however, only those selected for interviews will be contacted. No phone calls or recruitment agencies, please.