Senior Mortgage Underwriter (Edmonton)

Job Overview

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.

Your Role

• Provide analytical, detail‑oriented evaluations to produce strong credit decisions on sophisticated and complex AltA mortgage applications.
• Sales oriented: Establish 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: 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 for creatively inventing flexible and unique solutions for clients while maintaining adherence to NBC policies and guidelines.
• Mentor: Offer mentorship to support Mortgage Documentation Officers.
• Composure: Maintain day‑to‑day operations in an exciting, paced, sales and client‑focused environment.

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 an energetic group of underwriters.

Requirements

• Post‑secondary education in commerce, finance or business, or equivalent experience.
• Minimum five years of AltA underwriting/lending experience; AltA underwriting experience is a must.
• Fluent in both English and French.
• Understanding of insurer (CMHC and Sagen) guidelines.
• Solid computer savvy and application skills (Word, Excel, etc.).
• Outstanding and effective interpersonal and customer‑service skills. Demonstrated communication via email and telephone. Adjudicate broker‑originated AltA credit applications.
• Steady ability to thrive within a sophisticated and diverse organisational setting—balancing multiple tasks simultaneously with composure and humour under pressure.
• Attentive to preserving productive turnaround time with strong attention to detail in processing all documentation, applications and ensuring referral sources receive exceptional communication.

Benefits

• Health and wellness programme, including many options.
• Flexible group insurance.
• Generous pension plan.
• Employee Share Ownership Plan.
• Employee and family assistance programme.
• Preferential banking services.
• Involvement in community initiatives.
• Telemedicine service.
• Virtual sleep clinic.

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!