Mortgage Manager, Retail Lending Head

We are an equal opportunity employer that values diversity and is committed to fostering an open, accessible, and inclusive work environment. We believe in supporting our employees' growth and development to help them achieve their personal and professional goals.

As an important member of Retail Banking Department, you will develop and execute the residential lending strategy, design or improve mortgage products, and create promotions to build a high-quality portfolio. You will work closely with the Credit Team to review retail lending policies, monitor non-performing or past-due facilities, and minimize loan delinquency rates. You will lead and direct the residential lending team, collaborate with Branch Managers, and expand customer channels like mortgage brokers, while acting as a key supervisory bridge between branch networks and credit compliance teams.

• To direct and lead the residential lending team and cooperate with Branch Managers to ensure high quality services are delivered to all clients and stakeholders.
• To design new mortgage products or improve existing mortgage products; develop and execute mortgage promotion and advertisement and monitor the results of the above to ensure a good quality mortgage portfolio.
• To review and amend the existing retail lending policy/guidelines to ascertain their compliance with the regulations set out by regulators & parent bank. Working jointly with the Credit Team to ensure expectations are met.
• To train employees for expanded operations and product development.
• To expand the customer base and channels, such as brokers, by developing new borrowing relationships.
• To ensure all loan facilities are current and closely attend to non-performing and past due facilities in joint with the Credit Team.
• To minimize loan delinquency rate in joint with the Credit Team.
• To develop and execute the Residential Lending strategy and business plan.
• Engage and be the subject experts in relevant meetings, reporting, audits, and events.
• Other duties and projects as assigned.

• At least five years of experience in lending, credit reviews, and compliances in a Canadian Banking institution
• Undergraduate degree in finance and accounting
• Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of regression analysis
• Familiar with spreading systems and methodologies, asset rating theory and classification risk mitigation
• Full understanding of credit products hard and soft the C&I, CRE, as well as retail space
• Previous supervisory or management experience
• Collaboration & team skills

From CA $75,000.00 per year.