Mortgage Underwriter

National Bank of Canada; Canada; Remote; CAD 70,000 - 90,000; Full time

Benefits offered by this job

Health and wellness program

Flexible group insurance

Generous pension plan

Employee Share Ownership Plan

Employee and Family Assistance Program

Preferential banking services

Opportunities to get involved in community initiatives

Telemedicine service

Virtual sleep clinic

Job summary

A Canadian financial institution is seeking a Senior Mortgage Underwriter to provide credit decisions on residential mortgage applications using a client-focused approach. You will work within the Optimum Mortgage team, leveraging your analytical skills and knowledge of compliance practices in a fully remote environment. This role allows you to make a positive impact by delivering tailored mortgage solutions while ensuring adherence to risk management practices. Opportunities for mentorship and flexible work arrangements are included.

Qualifications

• Experience with Alt A residential mortgage underwriting, ideally within a broker channel or financial institution.
• Strong analytical and decision-making skills with a keen attention to detail.
• Knowledge of industry legislation and compliance practices including AML/ATF and KYC.

Responsibilities

• Provide detailed and analytical credit decisions on complex Alt A residential mortgage applications.
• Establish profitable and low-risk lending parameters aligned with client needs.
• Ensure compliance with legislative and policy requirements.

Skills

Analytical skills

Communication skills

Negotiation skills

Detail-oriented

Tools

Mortgage systems

Job description

Mortgage Underwriter – Senior Mortgage Underwriter

A career as a Senior Mortgage Underwriter in the Optimum Mortgage team at National Bank is to support clients in achieving home ownership by providing tailored mortgage solutions through our Broker channel. This role allows you to have a positive impact on the organization through your credit evaluation skills, commitment to risk management, and collaborative approach to client‑focused Alt A residential mortgage underwriting.

Fully remote opportunity available.

Responsibilities

• Provide detailed and analytical credit decisions on complex Alt A residential mortgage applications in a timely and accurate manner.
• Establish profitable and low‑risk lending parameters, including pricing, terms, and conditions, aligned with client needs and institutional guidelines.
• Ensure all underwriting decisions align with internal risk appetite and comply with legislative, regulatory, and policy requirements, including AML/ATF and KYC.
• Partner with Mortgage Documentation Officers and provide mentorship to support team development and growth.
• Identify and recommend innovative, flexible mortgage solutions tailored to the unique needs of borrowers.
• Maintain composure and efficiency in a fast‑paced, sales‑driven environment while delivering exceptional client service.
• Collaborate effectively across departments to support seamless operations and resolution‑focused outcomes.

Your Team

Within the Optimum Mortgage business line, you are part of a team of dedicated Alt A residential mortgage underwriting professionals, reporting to the Section Manager. Our team stands out for its commitment to continuous improvement, resolution mindset, and client‑first approach. We offer flexible work arrangements, personalized development plans, and a supportive environment to help you thrive.

You will benefit from internal training, mentorship, and technology‑enabled systems that help streamline your work and encourage innovation in Alt A residential mortgage underwriting.

Basic Requirements

• Experience with Alt A residential mortgage underwriting, ideally within a broker channel or financial institution.
• Strong analytical and decision‑making skills with a keen attention to detail.
• Knowledge of industry legislation and compliance practices including AML/ATF, Privacy, and KYC.
• Technologically proficient and comfortable working with mortgage systems and tools.
• Exceptional communication and negotiation skills, with a collaborative and team‑oriented mindset.
• A passion for providing creative and client‑focused solutions in a high‑volume environment.

Your Benefits

• Health and wellness program, including many options.
• Flexible group insurance.
• Generous pension plan.
• Employee Share Ownership Plan.
• Employee and Family Assistance Program.
• Preferential banking services.
• Opportunities to get involved in community initiatives.
• Telemedicine service.
• Virtual sleep clinic.

Languages

English (required).