Senior Mortgage Underwriter, Alt A (Hybrid)

National Bank; Calgary, Edmonton, Vancouver; Hybrid; AUD 90,000 - 130,000; Full time

Benefits offered by this job

Health and wellness program, including

Group insurance

Generous pension plan

Employee and Family Assistance Program

Preferential banking services

Opportunities to get involved in **?**

Telemedicine service

Virtual sleep clinic

Job summary

Optimum Mortgage, a National Bank of Canada company, is seeking full-time Underwriting experts for Alt A mortgage applications. The role emphasizes analytical, risk-based decision making and customer-focused solutions.

As part of a team dedicated to exceptional service, you will evaluate complex loans, ensure regulatory compliance, and mentor junior staff in a fast-paced, results-driven environment.

Qualifications

• Education: Post secondary in commerce, finance or business or equivalent experience.
• Five years of Alt A underwriting experience.
• Alt A underwriting experience is a must.
• Understanding of Insurer guidelines (CMHC and Sagen).
• Solid computer skills and familiarity with Word/Excel.

Responsibilities

• Provide analytical, detail-oriented evaluations to produce strong credit decisions on complex Alt A mortgage applications.
• Sales oriented: establish profitable, low-risk lending parameters with mortgages.
• Maintain vigilance within market risk appetite and NBC policies.
• Analyze supporting documentation ensuring privacy, AML/ATF, and KYC compliance.

Skills

Communication

Diversity & Inclusion

Driving Results

Emotional Intelligence

Teamwork

Accountability

Client-focused

Empathy

Initiative

Learning Agility

Resiliency

Humility

Education

Post secondary in commerce, finance or business or equivalent experience

Tools

Word

Excel

Job description

Attendance

Hybrid

Job number

36574

Category

Intermediate Professional

Status: Temporary 18 months

Type of Contract

Temporary

Number of months

18 months

Schedule: Full-Time

Full Time / Part Time?

Full-Time

Posting date

06-Nov-2026

Area(s) of interest: Advisory services, Commercial banking

Location(s): Calgary, Edmonton, Vancouver, Victoria

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

Skills

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

Your benefits

• 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?

Une carrière en tant que ConseillerAs a Senior Legal Advisor in the Legal