QA Analyst, Credit Risk

🔥 44 minutes ago

🇨🇦 Canada – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🔧 QA Engineer (Quality Assurance)

👻 Ghost score 10%

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nesto

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2018

💼 Consulting

🛡️ Insurance

💳 Fintech

💰 $80M Series C - Nesto on 2022-12

Consulting • Insurance • Fintech

nesto is a Canadian online mortgage lender and brokerage that provides mortgages, renewals, refinances and HELOCs through an AI-powered, technology-first platform. The company offers rate comparisons, calculators, educational guides and access to licensed mortgage advisors across provinces, emphasizing low upfront rates, streamlined digital applications, and transparent mortgage advice for consumers. nesto combines digital tools with in-house mortgage experts to simplify home financing for Canadian borrowers.

📋 Description

• Review daily samples of mortgage applications post-funding and pre-funding • Ensure compliance with nesto Group policies, underwriting standards, and regulatory requirements • Assess file data, financial documents, client information, broker and insurer transmissions, and legal documentation • Identify policy deviations, unusual behavior patterns, suspicious transactions, and invalid documentation • Conduct preliminary investigations and take necessary action on suspect files • Mitigate misrepresentation risk and potential losses • Prepare QA reports with findings and recommendations • Execute further analysis as directed by Risk or QA Management • Support audits with partners, investors, and insurers from preparation through resolution of findings • Assist with the management, periodic control, and review of approved lists and AML lists • Execute 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

🎯 Requirements

• Minimum 3–5 years of mortgage lending adjudication experience • Experience in the mortgage broker channel is preferred • Proficiency with Microsoft Office (Excel, Word, SharePoint) • Proficiency with Google Workspace (Google Drive, Sheets, Docs) • Experience with CRMs and workflow tools (Salesforce) • Strong understanding of insurer, internal, and external guidelines • Working knowledge of fraud implications, detection methodologies, and risk mitigation • Analytical thinking, with well-developed negotiation and problem-solving skills • Ability to identify trends, patterns, and anomalies in mortgage underwriting • Ability to work independently with limited supervision • Ability to prioritize urgent applications • Ability to make unpopular recommendations when required • Bilingual fluency in English and French is required • Ability to effectively communicate findings to management and underwriting teams

🏖️ Benefits

• Competitive compensation • Performance incentives, where applicable • Comprehensive medical, dental, and vision coverage • Health and Wellness Spending Accounts, where applicable • Telemedicine • Employee Assistance Programs • Mental health support for you and your family • Generous vacation allowance (4 weeks) • Floater days • Statutory holidays • RRSP matching • Enhanced maternity and parental leave top-up programs • Education assistance • Mentorship • Training • Career growth opportunities across nesto Group • Modern technology, collaborative teams, and the resources needed to succeed

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