Remote

Job number

35901

Category

Intermediate Professional

Status: Permanent

Schedule: Full-Time

05-Nov-2026

Area(s) of interest: Advisory services, Mortgage products, 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, including those who are self-employed, commissioned or with bruised credit.

Optimum Mortgage team is currently seeking full time Bilingual Alt A 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. 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 solid 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

Creative 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

Bilingual Communications:



Have the ability to communicate in both French and English

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

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 a strong attention to detail, in processing all documentation, applications and ensuring referral sources are receiving exceptional communication.

Languages
Reason to require this language: you will need to discuss frequently with our service providers or partners who speak a language other than French.

Skills
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Bilingual Communications Communication Diversity & Inclusion Driving Results Emotional Intelligence Residential Mortgages Teamwork Accountability Client-focused Empathy Initiative Learning Agility Resiliency Humility

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 such as:

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 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 value employees’ ideas. Whether through our surveys or programs, regular feedback and ongoing communication are 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?

Why work at National Bank?
For an environment that supports your career path
There are many diverse opportunities for you to progress and develop, and move ahead in your career. This includes on-the-job learning and training, co-development and pairing with other employees, professional support and mentoring, internal career days or discussion forums with our leaders.

For an inclusive and diverse environment
We foster inclusion in an environment where each person’s unique qualities, whether visible or invisible, are celebrated and valued. We welcome all candidates! What can you bring to our team?

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📌 Senior Mortgage Underwriter Bilingual Alt A (Quebec City)
🏢 BNC
📍 Quebec City