Souscripteur hypothécaire principal bilingue, Alt A

Overview

This role involves reviewing and underwriting complex Alt-A mortgage applications for customers who may not meet traditional financing criteria. You will apply rigorous analytical judgment to support sound credit decisions, manage risk, and ensure compliance with industry and internal requirements.

Location & Work Setup

• Locations: Edmonton, Halifax, Moncton, Montréal, Ottawa, Québec, Toronto, Vancouver, Winnipeg
• Presence: À distance (remote)
• Status: Permanent
• Schedule: Temps plein (full-time)
• Posting date: 05-Nov-2026
• Job number: 35901

Responsibilities

• Act as an “underwriting expert” by performing detailed, thorough analytical assessments to support strong credit decisions for complex and sophisticated Alt-A mortgage requests.
• Take a sales-oriented approach by establishing profitable, low-risk parameters for loans, pricing, and mortgage terms and conditions, supporting the success of internal and external clients.
• Manage risk by maintaining consistent vigilance regarding the market’s risk appetite while adhering to National Bank policies.
• Ensure compliance by analyzing and evaluating supporting documents provided by clients and brokers, while meeting sector compliance requirements, including:
  • personal information protection
  • anti–money laundering and counter-terrorist financing
  • internal fraud policies
  • Know Your Customer (KYC)
• Propose innovative solutions by designing flexible and unique solutions for clients while following applicable policies and guidelines.
• Provide mentoring to support mortgage documentation agents.
• Maintain composure in a dynamic, sales- and client-focused environment.
• Communicate effectively in both languages (French and English).

Requirements

• Education: Post-secondary education in commerce, finance, business administration, or equivalent experience.
• Experience: At least five (5) years of experience in underwriting or financing Alt-A.
• Alt-A experience: Alt-A underwriting experience is essential.
• Language: Proficiency in both French and English.
• Knowledge: Solid understanding of mortgage insurer guidelines (SCHL and Sagen).
• Skills:
  • Strong computer skills and proficiency with applications, including Word and Excel.
  • Excellent interpersonal and customer service abilities.
  • Ability to communicate effectively by email and phone.
  • Ability to analyze and make decisions on Alt-A credit applications submitted by brokers.
  • Ability to work effectively in a complex, diverse organizational environment, handling multiple tasks simultaneously with calm and humor, even under pressure.
  • Ability to maintain efficient processing timelines with great attention to detail when handling all documents and requests, and ensure exceptional communication with referral sources.

Preferred Qualifications

• Communication bilingue (bilingual communication)
• Orientation vers des résultats (results orientation)
• Intelligence émotionnelle (emotional intelligence)
• Travail en équipe (teamwork)
• Responsabilité (responsibility)
• Axé sur le client (customer focus)
• Empathie (empathy)
• Initiative, agilité d’apprentissage (initiative, learning agility)
• Résilience (resilience)
• Humilité (humility)

Compensation & Benefits

In addition to a competitive salary, flexible benefits are provided from your start date to support your well-being and your family, including:

• Health and wellness program with multiple options
• Flexible group insurance
• Generous retirement savings plan
• Employee share acquisition plan
• Employee and family assistance program
• Preferred banking services
• Participation in community initiatives
• Telemedicine service
• Virtual sleep improvement clinic

Why This Role

• Career development opportunities, including learning on the job, training, co-development or mentoring/buddy support, professional coaching/mentorship, internal career days, and forums to exchange with leaders.
• Commitment to an inclusive and accessible workplace; accommodations are available during the recruitment process.

Languages

• English, Français
• Rationale for language requirement: frequent communication with suppliers or partners who speak languages other than French.