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 strong 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
- Innovative 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 productive 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

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