Senior Mortgage Underwriter, Alt A

National Bank of Canada; Edmonton; Sur place; CAD 110 000 - 140 000; Plein temps

Résumé du poste

Optimum Mortgage, a National Bank of Canada company, is seeking a full-time Underwriting Expert specializing in Alt A mortgage applications. You will provide analytical, detail-oriented evaluations to drive strong credit decisions on sophisticated files, while respecting NBC guidelines and CMHC/Sagen rules.

Join a client-focused team and mentor Mortgage Documentation Officers. The role emphasizes sales-minded risk management, fast turnaround, and accurate documentation in a dynamic environment.

Qualifications

• Post-secondary education in commerce, finance or business or equivalent experience.
• Minimum five years of Alt A underwriting/lending.
• Alt A underwriting experience is a must.
• Understanding of CMHC and Sagen guidelines.
• Solid computer savvy and application skills (Word, Excel etc.).
• Outstanding interpersonal and customer service skills.
• Adjudicate broker-originated Alt A credit applications.

Responsabilités

• 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.
• Maintain vigilance within market risk appetite while adhering to NBC policies.
• Efficiently analyze and evaluate supporting documentation per Privacy, AML/KYC obligations.
• Mentor Mortgage Documentation Officers.
• Maintain day-to-day operations in a fast-paced, sales- and client-focused environment.

Connaissances

Alt A underwriting

Broker credit adjudication

Relationship building

Time management

Communication skills

Formation

Post secondary in commerce/finance/business

Outils

Word

Excel

Description du poste

Optimum Mortgage, a National Bank of Canada company, is a full-service lender providing personalized borrowing solutions to meet our clients needs. We offer a variety of products, including flexible alternative mortgage solutions, for clients who may not fit within traditional guidelines, including those who are self-employed, commissioned or with bruised credit.

Optimum Mortgage team is currently seeking full time Underwriting experts to join our team! Our Mortgage Underwriters are proud of their “Resolution and Customer Service” badges earned. They are consistently focused on personal and professional growth. A successful candidate with Optimum Mortgage will display evaluation skills of risk using established criteria and current legislation guidelines. Alt-A creative underwriting with a customer driven mind. Mortgage solutions is how we think, and clients appreciate our Underwriting Experts for it!

Your role:

• What is the “Underwriter Expert”. Provide analytical, detail-oriented evaluations, to produce strong credit decisions on sophisticated and complex Alt A mortgage applications
• Sales Oriented. Establishing profitable and low risk parameters for loans, pricing, terms, and conditions with mortgage loans while valuing internal and external client successes
• Risk Appetite. Maintain and excel in vigilance within the market risk appetite while adhering to National Bank policies.
• Compliance. Ability to efficiently analyze and evaluate supporting documentation provided by clients and brokers while staying in sync with industry compliance obligations including Privacy, Anti-Money Laundering/Anti-Terrorist financing, Internal Fraud Policies and KYC
• Innovative Solutions. Go beyond and hold high regard to creatively invent flexible and unique solutions for clients while maintaining adherence to NBC policies and guidelines
• Mentor. Offer mentorship to support Mortgage Documentation Officers
• Composure. Maintaining day to day operations in an exciting paced, sales and client focused environment

Your Team:

As part of a client-focused team, you'll be dedicated to providing exceptional service and delivering the best outcomes for clients, regardless of their financial background. With the support, training, and resources to grow, you'll make a real impact while advancing your career. Reporting to the Manager, Mortgage Underwriting you will be joining a dynamic group of underwriters.

Requirements:

• Education. Post secondary in commerce, finance or business or equivalent experience
• Understanding. Minimum five years of ‘Alt A’ underwriting/ lending.
• Alt A underwriting experience is a must
• Expertise. Understanding of Insurer (CMHC and Sagen) guidelines
• Skills. Solid computer savvy and application skills (Word, Excel etc.)
• Relationship Builder. Outstanding and effective interpersonal and customer service skills. Demonstrated communication via email and telephone. Adjudicate Broker originated 'Alt A’ credit applications
• Emphasis. Steady ability to thrive within a sophisticated and diverse organizational environment - balancing multiple tasks simultaneously with composure and humour, under pressure
• Time Management. 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.

Making home ownership dreams come true

Optimum Mortgage, a National Bank of Canada company, is a full-service lender providing personalized borrowing solutions to meet our clients needs. We offer a variety of products, including flexible alternative mortgage solutions, for clients who may not fit within traditional guidelines, including those who are self-employed, commissioned or with bruised credit.

Optimum Mortgage team is currently seeking full time Underwriting experts to join our team! Our Mortgage Underwriters are proud of their “Resolution and Customer Service” badges earned. They are consistently focused on personal and professional growth. A successful candidate with Optimum Mortgage will display evaluation skills of risk using established criteria and current legislation guidelines. Alt-A creative underwriting with a customer driven mind. Mortgage solutions is how we think, and clients appreciate our Underwriting Experts for it!

Your role:

• What is the “Underwriter Expert”. Provide analytical, detail-oriented evaluations, to produce strong credit decisions on sophisticated and complex Alt A mortgage applications
• Sales Oriented. Establishing profitable and low risk parameters for loans, pricing, terms, and conditions with mortgage loans while valuing internal and external client successes
• Risk Appetite. Maintain and excel in vigilance within the market risk appetite while adhering to National Bank policies.
• Compliance. Ability to efficiently analyze and evaluate supporting documentation provided by clients and brokers while staying in sync with industry compliance obligations including Privacy, Anti-Money Laundering/Anti-Terrorist financing, Internal Fraud Policies and KYC
• Innovative Solutions. Go beyond and hold high regard to creatively invent flexible and unique solutions for clients while maintaining adherence to NBC policies and guidelines
• Mentor. Offer mentorship to support Mortgage Documentation Officers
• Composure. Maintaining day to day operations in an exciting paced, sales and client focused environment

Your Team:

As part of a client-focused team, you'll be dedicated to providing exceptional service and delivering the best outcomes for clients, regardless of their financial background. With the support, training, and resources to grow, you'll make a real impact while advancing your career. Reporting to the Manager, Mortgage Underwriting you will be joining a dynamic group of underwriters.

Requirements:

• Education. Post secondary in commerce, finance or business or equivalent experience
• Understanding. Minimum five years of ‘Alt A’ underwriting/ lending.
• Alt A underwriting experience is a must
• Expertise. Understanding of Insurer (CMHC and Sagen) guidelines
• Skills. Solid computer savvy and application skills (Word, Excel etc.)
• Relationship Builder. Outstanding and effective interpersonal and customer service skills. Demonstrated communication via email and telephone. Adjudicate Broker originated 'Alt A’ credit applications
• Emphasis. Steady ability to thrive within a sophisticated and diverse organizational environment - balancing multiple tasks simultaneously with composure and humour, under pressure
• Time Management. 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.

Languages: English

Required skills: Accountability, Client-focused, Communication, Diversity & Inclusion, Driving Results, Emotional Intelligence, Empathy, Humility, Initiative, Learning Agility, Resiliency, Teamwork

Your benefits

In addition to competitive compensation, you’ll be eligible for a wide range of flexible benefits to help promote your wellbeing and that of your family such as:

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

We have an offer that keeps up with trends as well as your needs and those of your family.

Our dynamic work environments and cutting-edge collaboration tools foster a positive employee experience. We actively listen to employees’ ideas. Whether through our surveys or programs, regular feedback and ongoing communication is encouraged.

Making a bold move in a people‑first environment

We're a bank on a human scale that stands out for its courage, entrepreneurial culture, and passion for people. Our mission is to have a positive impact on people's lives. Our core values of partnership, agility, and empowerment inspire us, and inclusion is central to our commitments. We aim, wherever possible, to provide a barrier‑free and accessible environment to all employees.

We strive to provide accessibility measures throughout the recruitment process within the limits of our available resources. If you require accommodations, feel free to let us know during our initial conversations. We welcome all candidates! What can you bring to our team? Join us!