Mortgage Underwriter

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.

• 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.

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.

• 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.

• 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.

English (required).