Quality Assurance Analyst, Credit Risk- Quality Assurance Analyst, Credit Risk

Role Summary

*The English version will follow // The english version will follow

Our mission is to provide a positive, transparent and simplified mortgage financing experience from start to finish. Our team consists of skilled technology experts, caring mortgage specialists, and a diverse marketing team, all working together to lead change in the mortgage industry.

At nesto, we are proud of

Our customers appreciate our positive, transparent and simplified mortgage financing experience. Our 4.5 star reviews on Google speak for themselves!

We won the CLA Mortgage Lender of the Year Award 2023, 2024 and 2025, which recognizes our excellence in lending services.

We are now a certified B Corp organization, highlighting our commitment to making a positive impact on our society and our planet.

Our highly skilled, diverse and collaborative team makes everything possible.

Our Mortgage Cloud platform provides financial institutions with full access to nesto's proprietary technology, improving the customer experience from start to finish.

Responsibilities

• Perform daily review of a sample of mortgage applications (before and after disbursement) to ensure compliance with underwriting standards, nesto Group policies and regulatory requirements.
• Evaluate all data elements, financial documents, customer information, broker and insurer transmissions, and legal documents to note any deviations from policies.
• Spot patterns of unusual behavior, suspicious transactions and document legitimacy via insurer “hot files” and internal references.
• Conduct preliminary investigations and take necessary action on suspicious files to reduce the risk of loss and misrepresentation.
• Prepare quality assurance reports detailing findings and recommendations, and conduct in-depth analyzes as requested by Risk Management or QA.
• Support audits with partners, investors and insurers, from initial preparation to resolution of problematic items.
• Assist in the management, periodic monitoring and review of approved lists (appraisers, notaries/lawyers, brokers, suppliers) and anti-money laundering (AML) lists.
• Perform quality assurance and quality control reviews regularly, quickly, efficiently and objectively.
• Provide advice, opinions and recommendations to underwriting staff and stakeholders regarding credit risks, loss mitigation, flood/property risks and training opportunities.

Who we are looking for

• Experience: Minimum 3-5 years of experience in mortgage loan approval/adjudication. Experience in the mortgage broker channel, an asset.
• Tools & Technical Mastery: Proficiency in Microsoft Office applications (Excel, Word, SharePoint), Google Workspace (GDrive, Sheets, Docs), CRM and workflow tools (Salesforce).
• Domain knowledge: Solid understanding of insurer guidelines, internal and external, as well as a good knowledge of the implications, methods of detection and prevention of fraud.
• Key Skills: Analytical thinking and well-developed negotiation and problem-solving skills to spot trends and anomalies in underwriting practices.
• Autonomy & Decision Making: Ability to work independently with limited supervision, manage and prioritize urgent requests, and make unpopular recommendations when required.
• Language & Communication: Fluent bilingualism (French and English) desired to support clients nationally, with excellent ability to communicate findings to management and underwriters.
• Review an adequate daily sampling of mortgage applications post-funding and pre-funding to ensure compliance with nesto Group policies, underwriting standards, and regulatory requirements.
• Assess file data elements, financial documents, client information, broker file transmissions, insurer transmissions, and miscellaneous legal documentation to identify policy deviations.
• Identify patterns of unusual behavior, suspicious transactions, and documentation validity via “Heads up Files” from external insurers and internal referrals.
• Conduct preliminary investigations and necessary actions on suspect files to mitigate misrepresentation risk and loss.
• Prepare QA reports with findings and recommendations on suspicious or irregular activity files, as well as execute further analysis as directed by Risk or QA Management.
• Support audits with partners, investors, and insurers, spanning from preparation to audit finding resolution.
• Assist in the management, periodic control, and review of approved lists for Appraisers, Solicitors, Brokers, Vendors, and AML lists.
• Execute QA/QC reviews regularly on a timely, efficient, and objective basis.
• Provide guidance, opinions, and recommendations to underwriting staff and stakeholders on credit issues, loss mitigation, flood/property risk, and training opportunities.

Who we are looking for

• Experience: Minimum 3–5 years of Mortgage/Lending Adjudication experience. Experience in the mortgage broker channel is preferred.
• Technical Proficiency: Proficiency with Microsoft Office (Excel, Word, SharePoint), Google Workspace (GDrive, Sheets, Docs), CRMs, and workflow tools (Salesforce).
• Domain Knowledge: Strong understanding of insurer, internal, and external guidelines, alongside working knowledge of fraud implications, detection methodologies, and risk mitigation.
• Core Competencies: Analytical thinker with well-developed negotiation and problem-solving skills to identify trends, patterns, and anomalies in mortgage underwriting.
• Autonomy & Decision-Making: Ability to operate independently with limited supervision, prioritize urgent applications, and make unpopular recommendations when required.
• Language & Communication: Bilingual fluency (English and French) is preferred to support nationwide clients, with an ability to effectively communicate findings to management and underwriting teams.

The Reward

• The A-Team: Work alongside high-performing talent in the industry.
• Accelerated Growth: The slope of your learning curve here will be vertical. You will touch more production systems in one year than you would in five years at a bank.
• Top-Tier Coverage: Premium benefits plan fully paid by nesto, including comprehensive insurance and unlimited access to telemedicine and mental health services for you and your family.
• Rest & Recharge: 4 weeks of vacation to ensure you stay at peak performance.
• Best-in-Class Tools: Access to the resources and tech you need to execute without friction.
• Working framework: Flexible environment (fully remote or in-office across Montreal, Quebec, Toronto, etc.) that makes you productive and enables teamwork.

Diversity and inclusion At nesto, we firmly believe that creativity and collaboration are the fruit of diversity. We are committed to fostering, cultivating and preserving a culture of diversity, equity, inclusion and belonging, and are proud to ensure impartial and inclusive practices for accessing employment and professional growth. All qualified applicants will be considered without regard to age, colour, disability, ethnic origin, family or marital status, gender identity or expression, language, physical and mental ability, political affiliation, religion, sexual orientation, social status, veteran status and any other characteristics that make our employees unique.

#cmlsposition

Benefits

• Mortgage Program for Employees: Exclusive preferred rates.
• Comprehensive Health Coverage: Premium extended coverage (health, dental, vision) with 100% drug coverage, including unlimited access to telemedicine and mental health services.
• Retirement: Access to a group RRSP/DPSP retirement savings plan with competitive company matching contributions.
• Rest & Regeneration: 4 weeks of paid vacation to keep you at the peak of your performance.
• Flexible work location: Fully remote or in one of our offices (Montreal, Quebec, Toronto, etc.).

Diversity and Inclusion At nesto, we firmly believe that creativity and collaboration come from diversity. We are committed to fostering, cultivating and preserving a culture of diversity, equity, inclusion and belonging, and are proud to ensure unbiased and inclusive practices for access to employment and professional growth. All qualified applicants will receive consideration without regard to age, color, disability, ethnicity, familial or marital status, gender identity or expression, language, physical and mental ability, political affiliation, religion, sexual orientation, social status, veteran status and any other characteristics that make our employees unique.

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• Join nesto — proudly named Canadian Rocketship 2025*. A Deloitte Fast 50 company evolving alongside Canada’s top tech innovators and disrupting a 2.1 Trillion-dollar mortgage industry at light speed by building the mortgage ecosystem of the future.

About the Company

• Hypergrowth: Deloitte Fast 50 — 3 years in a row
• Tech community credibility: TechTO Canadian Rocketship 2025*
• Industry leadership: CLA Lending Company of the Year — 4 consecutive years
• Talent magnet: CMP Top Mortgage Employer 2025
• Trusted technology: Powering major financial institutions across Canada

An entrepreneurial culture built on trust, speed, uncomfortable ambition, being stronger together, and a relentless obsession with our clients.

Who are you Builders. Problem-solvers. Curious minds. People who move fast, embrace innovation, and believe we’re stronger together. If you trust your skills and want to build real technology that reshapes an entire industry, join us now.

About nesto and Nesto Cloud Nesto is Canada’s leading provider of mortgage technology and financing solutions, managing $73B+ CAD in residential and commercial mortgages, with 1,000+ team members across 12 offices nationwide. You will be working on Nesto Cloud, Canada’s most advanced cloud platform, delivering end-to-end technology solutions for lenders in the digital age.