Senior Mortgage Underwriter (Hybrid)

NATIONAL BANK OF CANADA; Edmonton; On-site; CAD 70,000 - 90,000; Full time

Job summary

A leading financial institution is seeking a full-time Underwriter to provide analytical evaluations for complex mortgage applications, ensuring compliance with regulations. The successful candidate will work within a dynamic team, focusing on creative and customer-driven underwriting solutions while fostering a positive work environment.

Benefits

Health and wellness programs

Employee Share Ownership Plan

Employee and Family Assistance Program

Preferential banking services

Community involvement opportunities

Qualifications

• Minimum five years of 'Alt A' or 'A' underwriting/lending experience.
• Understanding of Insurer (CMHC and Sagen) guidelines.
• Strong interpersonal and customer service skills.

Responsibilities

• Evaluate risk using established criteria for complex Alt A mortgage applications.
• Analyze and evaluate supporting documentation, ensuring compliance with industry obligations.
• Mentor Mortgage Documentation Officers and maintain client-focused service.

Skills

Communication

Client focus

Attention to detail

Customer service

Teamwork

Education

Post-secondary education in commerce, finance, or business

Tools

MS Word

MS Excel

Job description

Attendance Hybrid Job number 26548 Category: Intermediate Professional Status: Temporary 12 months Type of Contract: Temporary Number of months: 12 months Schedule: Full-Time Location: Edmonton, Alberta Area of Interest: Advisory services, Commercial banking

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, such as those who are self-employed, commissioned, or with bruised credit.

Optimum Mortgage team is currently seeking a full-time Underwriter expert to join our team for a 12-month term! Our Mortgage Underwriters are proud of their "Resolution and Customer Service" badges and are consistently focused on personal and professional growth. A successful candidate will evaluate risk using established criteria and current legislation guidelines, demonstrating creative underwriting with a customer-driven mindset. Mortgage solutions are our focus, and clients appreciate our Underwriting Experts for this approach!

Your role :

• 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, valuing internal and external client successes.
• Maintain vigilance within the market risk appetite while adhering to CWB Financial Group policies.
• Analyze and evaluate supporting documentation from clients and brokers, ensuring compliance with industry obligations including Privacy, Anti-Money Laundering, Anti-Terrorist Financing, Internal Fraud Policies, and KYC.
• Invent flexible and unique solutions for clients while maintaining adherence to CWB policies and guidelines.
• Mentor Mortgage Documentation Officers.
• Maintain composure in a fast-paced, sales and client-focused environment.

Your team :

You will be part of a client-focused team dedicated to providing exceptional service and outcomes, regardless of clients' financial backgrounds. With support, training, and resources, you'll have the opportunity to grow and make a real impact while advancing your career. You will report to the Manager, Mortgage Underwriting, and join a dynamic group of underwriters.

Prerequisites :

• Post-secondary education in commerce, finance, or business, or equivalent experience.
• Minimum five years of 'Alt A' or 'A' underwriting/lending experience.
• Understanding of Insurer (CMHC and Sagen) guidelines.
• Strong computer skills (Word, Excel, etc.).
• Outstanding interpersonal and customer service skills, effective communication via email and telephone, and experience adjudicating Broker-originated 'A' and 'Alt A' credit applications.
• Ability to thrive in a sophisticated, diverse environment, balancing multiple tasks with composure and humor under pressure.
• Strong attention to detail and efficient turnaround time in processing documentation and applications.

Skills include communication, diversity & inclusion, driving results, emotional intelligence, teamwork, accountability, client focus, empathy, initiative, learning agility, resiliency, humility.

In addition to competitive compensation, you’ll be eligible for various benefits, including health and wellness programs, Employee Share Ownership Plan, Employee and Family Assistance Program, preferential banking services, community involvement opportunities, and more.

We foster a positive employee experience with modern work environments and collaboration tools. Our mission is to positively impact lives through our core values of partnership, agility, and empowerment. We are committed to inclusivity and accessibility, welcoming all candidates and providing accommodations during the recruitment process.

Come live your ambitions with us!