Senior Lending Specialist | Client-Facing Underwriter
Kelowna preferred. Lower Mainland works. Open to BC or AB for the right person.
If you consider yourself a Rockstar underwriter, this is the conversation.
The Lending Specialist on our team is a respected, client-facing expert. You'll carry a full pipeline, own placement and conditions, and be on client calls every day - discovery, pre-approval reviews, condition walkthroughs, renewal conversations. The client knows you by name.
This is not the role for someone who wants to grind anonymously behind a screen. It's the role for the
best underwriter you know who's tired of being treated like back-office.
You'll thrive here if:
- You want to be the highest-paid underwriter you know
- You solve problems instead of escalating them
- You'd rather own the file than blame the file
- You're confident and warm on client calls (discovery, hard conversations, condition walkthroughs)
- You believe service standards are a moral position
- You see AI as leverage that lets you be a better technician, not a replacement for the human work
- You operate by something close to the Flow Code: Mission Over Mortgage, Own the Outcome, Protect the Standard
- You don't need to be managed into excellence
You'll hate this job if:
- You think the broker owns the relationship and you own the paperwork
- You need a manager to follow up on your follow-ups
- You'd rather not be on the phone with clients every day
- You like being mediocre at multiple things instead of elite at one
- You want to invent new systems before mastering ours
- You're allergic to client contact
Hard requirements:
- BCFSA licensed, current and in good standing (Alberta licensing is a strong asset)
- Minimum 2 years as a Lender or Broker Underwriter, OR 300+ files closed
- Comfortable leading client conversations end to end
- Genuine fluency with AI tools - you already use them in your work, or you're ready to
- References from your last two roles
- Strong tech fluency
- Located on the West Coast or Okanagan
- Strength in alternative, private, and construction financing is a real edge
Compensation:
- Base salary $65,000-$75,000+ depending on experience, licensing, and complexity range
- Per-file commission on every funded deal - total comp $100,000+ (no ceiling)
- Semi-annual performance bonus tied to clean-file %, funded volume, and client NPS
- Extended health benefits
Flow Mortgage Co. - Confidential Lending Specialist Job Descriptions
- A real path to senior team leadership
How to apply:
Submit a short video (max 5 minutes) answering:
- The most complex file you've ever closed and what almost killed it.
- The last big problem you solved at work - how did you do it?
- How comfortable are you on outbound client calls? Share a recent example of one you initiated.
- Where you want to be in 3 years and why Flow is the right next step.
Apply at getflowmortgage.ca/careers - Senior Lending Specialist.
References ready to share on the second call. No cover letters.
Our Mission
We help clients build long-term wealth - not just close their next mortgage. Every file, every
conversation, every decision is in service of that.
Why Flow
- Mission Over Mortgage: this is a wealth-building business, not a transaction business
- Systems amplify, humans lead: we invest in systems and AI to kill busywork, but mortgages are about people's lives. We hire technicians who want to be elite at the craft AND understand the relationship comes first
- The A-Player Standard: we measure ourselves against 7 standards every week
The A-Player Standard (the 7 standards we hold ourselves to)
- Mission Over Mortgage - Educate, support, guide decisions, not just push applications
- Own the Outcome - Follow-through is non-negotiable; no reminders required
- Protect the Standard - Quality, speed, accuracy, and communication matter; CRM always updated
- Team Over Ego - Clear handovers, proactive support, no blame-shifting
- Improve Weekly - Growth is part of the role; review results and adjust each week
- Responsibility First - Errors corrected quickly and transparently
- Client First - Partners, lenders, and clients are kept informed at every stage
Job Type: Full-time
Pay: $65,000.00-$95,000.00 per year
Additional pay:
Benefits:
- Company events
- Dental care
- Extended health care
- Life insurance
- On-site parking
- Paid time off
- Work from home
Schedule:
Education:
- Secondary School (preferred)
Experience:
- mortgage advisor: 1 year (required)
Licence/Certification:
- BCFSA Mortgage Broker License (preferred)
Work Location: Hybrid remote in Kelowna, BC V1Y 6N8
