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
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
- 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: English
SkillsPress space or enter keys to toggle section visibility
Communication Diversity & Inclusion Driving Results Emotional Intelligence Teamwork Accountability Client-focused Empathy Initiative Learning Agility Resiliency Humility
Your benefits In addition to competitive compensation, 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
* Group insurance
* Generous pension plan
* Employee and Family Assistance Program
* Preferential banking services
* Opportunities to get involved in community initiatives
* Telemedicine service
* 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 actively listen to employees' ideas. Whether through our surveys or programs, regular feedback and ongoing communication is encouraged.
