Operations Manager Regional Municipality

Position Overview

Reporting directly to the President, the Operations Manager is responsible for overseeing the day‑to‑day operational management of KCG’s mortgage portfolio, servicing functions, enforcement activities, regulatory administration, and Mortgage Automator platform administration. The role serves as the operational lead for borrower management throughout the lifecycle of each mortgage, including loan servicing, renewals, delinquency management, legal coordination, enforcement oversight, licensing administration, and operational reporting.

The Operations Manager will work closely with underwriting, accounting, legal counsel, brokers, compliance providers, regulators, and investors to ensure that KCG’s portfolio is managed efficiently, professionally, and in accordance with internal policies, regulatory obligations, and risk management standards. While the primary focus of this role is operations and servicing, the successful candidate must possess strong underwriting knowledge and may assist with underwriting and deal analysis during periods of elevated volume.

• Oversee day‑to‑day mortgage servicing operations, renewals, delinquency management, and borrower communications.
• Act as the escalation point for complex servicing issues and higher‑risk accounts.

• Coordinate licensing renewals, regulatory filings, and compliance‑related documentation.
• Liaise with regulators and external compliance providers to ensure ongoing compliance.

• Lead operational administration of Mortgage Automator and ensure data integrity across the portfolio.
• Develop reporting and process improvements to enhance operational efficiency.

• Manage delinquent and defaulted mortgage files, including enforcement and recovery strategies.
• Coordinate with legal counsel and third‑party service providers throughout the recovery process.

• Maintain relationships with brokers, lawyers, appraisers, insurers, and other service partners.
• Ensure documentation and operational requirements are completed accurately and efficiently.

• Assist with operational reporting, cash flow coordination, and servicing reconciliations.
• Support management with portfolio and servicing‑related financial information.

• Monitor portfolio risks, including delinquencies, maturities, insurance expiries, and regulatory requirements.
• Support FINTRAC, AML, KYC, privacy, and internal compliance initiatives.

• Assist with mortgage underwriting and deal analysis during periods of elevated volume.
• Provide operational and risk‑management input on lending decisions.

• 5+ years of experience in mortgage lending, loan servicing, underwriting, private lending, mortgage operations, or regulatory administration.
• Strong understanding of private mortgage lending and mortgage servicing processes.
• Prior underwriting experience is required.
• Experience with Mortgage Automator (or similar) software is considered a major asset.
• Strong understanding of mortgage enforcement, delinquency management, and legal recovery processes.
• Experience coordinating licensing renewals, regulatory filings, or compliance administration is considered a strong asset.
• Excellent organizational and time‑management skills with strong attention to detail.
• Ability to manage multiple priorities in a fast‑paced environment.
• Robust written and verbal communication skills.
• Professional and confident communication style when dealing with borrowers, lawyers, brokers, regulators, compliance providers, and investors.
• Analytical mindset with strong operational problem‑solving abilities.
• Proficiency with Microsoft Office, particularly Excel.
• Knowledge of Atlantic Canadian mortgage markets considered an asset.
• Familiarity with FINTRAC, AML, privacy, and provincial mortgage regulatory requirements is considered an asset.

• Highly accountable and self‑directed.
• Calm under pressure.
• Operationally minded with strong systems thinking.
• Strong judgment and decision‑making skills.
• Comfortable handling sensitive borrower and enforcement situations.
• Process‑oriented with a focus on continuous improvement.
• Team‑oriented with leadership potential.

Compensation will be competitive and commensurate with experience.