Senior Mortgage Underwriter - Bilingual

Area(s) 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 have bruised credit.

Optimum Mortgage is currently seeking full‑time Underwriting Experts to join our team. Our Mortgage Underwriters are proud of their “Resolution and Customer Service” badges earned and are consistently focused on personal and professional growth. A successful candidate will demonstrate evaluation skills of risk using established criteria and current legislation guidelines, with a customer‑driven mindset.

• 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 and excel in vigilance within the market risk appetite while adhering to National Bank policies.
• Efficiently analyze and evaluate supporting documentation provided by clients and brokers, staying in sync with industry compliance obligations including 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.

As part of a client‑focused team, you will 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 will make a real impact while advancing your career. You will report to the Manager, Mortgage Underwriting and join a dynamic group of underwriters.

• Education: Post‑secondary in commerce, finance or business, or equivalent experience.
• Understanding: Minimum five years of Alt A underwriting/lending experience.
• Alt A underwriting experience is a must.
• Bilingual Communication: Fluent in both English and French.
• 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 strong attention to detail in processing all documentation and applications, ensuring referral sources receive exceptional communication.

• Health and wellness program, including many options.
• Employee Share Ownership Plan.
• Employee and family assistance program.
• Preferential banking services.
• Involvement in community initiatives.
• Virtual sleep clinic.

We welcome all candidates and strive to provide accessibility measures throughout the recruitment process within the limits of our available resources. If you require accommodations, please let us know during the initial conversations.