Description
The Senior Mortgage Underwriter, Alt A, at Optimum Mortgage (a National Bank of Canada company) is an expert in evaluating complex Alt A mortgage applications. This role involves making strong credit decisions, establishing profitable and low-risk loan parameters, ensuring compliance with industry regulations, and developing innovative solutions for clients. The underwriter will also mentor Mortgage Documentation Officers and operate in a fast-paced, sales- and client-focused environment.
What We're Looking For
Provide analytical, detail-oriented evaluations to produce strong credit decisions on sophisticated and complex Alt A mortgage applications.,Establish profitable and low-risk parameters for loans, pricing, terms, and conditions with mortgage loans while valuing internal and external client successes.,Maintain vigilance within the market risk appetite while adhering to National Bank policies.,Efficiently analyze and evaluate supporting documentation provided by clients and brokers while staying in sync with industry compliance obligations (Privacy, Anti-Money Laundering/Anti-Terrorist financing, Internal Fraud Policies and KYC).,Creatively invent flexible and unique solutions for clients while maintaining adherence to NBC policies and guidelines.,Offer mentorship to support Mortgage Documentation Officers.,Maintain day-to-day operations in an exciting-paced, sales and client-focused environment.,Post secondary education in commerce, finance or business or equivalent experience.,Minimum five years of 'Alt A' underwriting/lending experience (a must-have).,Understanding of Insurer (CMHC and Sagen) guidelines.,Solid computer savvy and application skills (Word, Excel etc.).,Outstanding and effective interpersonal and customer service skills.,Demonstrated communication via email and telephone.,Ability to adjudicate Broker originated 'Alt A' credit applications.,Steady ability to thrive within a sophisticated and diverse organizational environment - balancing multiple tasks simultaneously with composure and humour, under pressure.,Attentive to preserving efficient turnaround time with a strong attention to detail, in processing all documentation, applications and ensuring referral sources are receiving exceptional communication.
Ideal Candidate
Post secondary education in commerce, finance or business or equivalent experience,Minimum five years of 'Alt A' underwriting/lending experience,Understanding of Insurer (CMHC and Sagen) guidelines,Solid computer savvy and application skills (Word, Excel etc.)
Minimum Education
Post secondary in commerce, finance or business or equivalent experience
Hard Skills
Soft Skills
Benefits
Also Available At
About the Company
National Bank of Canada
National Bank of Canada is one of the six systemically important banks in Canada, providing a comprehensive range of financial services to individuals, businesses, and institutional clients. Headquartered in Montreal, it is the leading financial institution in Quebec and holds strong positions across the country and internationally. The bank is committed to a people-first approach, fostering an entrepreneurial culture and sustainable growth for its communities.
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