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 job 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. Your job 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. Your teamWithin 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.Basic requirement Experience in 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. Your benefits In addition to competitive compensation, upon hiring you’ll be eligible for a wide range of flexible benefits to help promote your wellbeing and that of your family.    * 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    These are a few of the benefits available to you. 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.   We're putting people first 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 peoples' lives. Our core values of partnership, agility, and empowerment inspire us, and inclusivity is central to our commitments. We offer a barrier-free workplace that is accessible to all employees.     We want our recruitment process to be fully accessible. If you require accommodation, feel free to let us know during your first conversations with us. We welcome all candidates What can you bring to our team?    Come live your ambitions with us