Director, Commercial Operations

2 weeks ago

Toronto, Ontario, Canada Home Trust Full time

Company Profile

Home Trust Company has developed a track record of success as Canada's leading alternative lender, employing nearly 850 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of our core residential and commercial mortgage lending business, the Company and its affiliates also offer complementary lending services and competitive deposit investment products. Our culture has been shaped by the passion and integrity of our people. Home Trust is a private company.

Position Responsibilities

Act decisively to move commercial strategies and initiatives forward in a timely manner. Act as business lead for all Commercial Underwriting and Commercial Lending initiatives. Assist in building change management plans of varying scope and type; leads or participates in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation, and sustainment of initiatives. Ensure capacity planning models are developed and performance reported for commercial underwriting and administration. Work effectively with all internal business partners to improve underwriting and administrative systems to maximize effectiveness and achieve excellence. Monitor risks and identify escalating issues related to implementation and performance of projects. Work closely with BRM to support the business in identifying, assessing, measuring, and mitigating risks and escalating risks and other material issues to the VP, Commercial Underwriting as appropriate. Evaluate business partners (Agents, Appraisers, Environmental Consultants and Building Condition Assessors) when on-boarding and maintain fraud, quality, and performance metrics where applicable. Responsible as the Servicer's point of contact in relation to onboarding, ongoing monitoring, contract review and compliance training. Responsible for reviewing and assessing all Servicer onboarding documentation including financial statements, constating documents, policy/procedures, lists for third party specialists (appraisers, ESA consultants, solicitors etc.). Responsible as the point of contact for Panorays, a vendor security evaluation and risk management platform, which assists InfoSec & Business Continuity Management on monitoring of Servicers. Review, maintain and improve the Servicer Management procedures, including onboarding and ongoing monitoring and risk assessments. Review, maintain and improve the Mortgage Participation & Servicing Agreements annually in conjunction with the Servicers, legal counsel and regulatory requirements. Monitor Servicers' overall relationship with HTC through file reviews, and any presence on Underwriting Action List and Watch List. Develop tactical strategies in the business to support the overall commercial business strategy and the achievement of objectives by prioritizing workflow, commencing initiatives, and resource planning. Break down strategic problems and analyze data and information to provide insights and recommendations. Drive productivity improvement on major projects by identifying, coordinating, and leading efforts. Assume a leadership position and work closely with all stakeholders on Commercial Projects and any new Business Enablement and Risk Assessment Tool (BERAT) processes.

Formal Education

Post secondary degree or diploma required (University degree preferred) in Business, Economics, Finance or equivalent

Related Experience

10+ years mortgage lending/underwriting experience with increasing responsibility. In depth understanding of commercial lending products, policies/guidelines, and procedures. Strong project management skills with the ability to identify risks and remove roadblocks. Solution-focused, takes initiative ensuring self and the team work effectively within established guidelines. Excellent underwriting and analytical skills with ability to make prudent decisions. Strong understanding of the real estate and economic environment. Ability to work efficiently and effectively in a team environment. Ability to manage high volume of demands and often competing priorities. Strong organizational, time-management and ability to manage multiple teams. Able to multi-task and flourish in a fast-paced, deadline-driven work environment. Demonstrated ability to lead/influence others to achieve department and corporate goals. Well-developed negotiation skills. Strong interpersonal relationship building and listening skills. Ability to motivate and engage a team through fostering a collaborative environment.

Skills

Position Complexities

Acknowledgement

All employees of Home Trust Company must comply with all applicable Home Trust Company, and specific Line of Business policies, standards, guidelines and controls. Additionally, all employees are obligated to become familiar with Home's risk management framework and understand the operational risk management requirements within their specific business. Employees are also expected to understand and comply with the Company's Code of Business Conduct & Ethics Policy at all times and escalate any issues or concerns through various reporting channels ( Customer Complaints Appeals Office (CCAO), Compliance Hotline, Whistleblower Policy, etc).

Home Trust is committed to fair and accessible employment practices and we are committed to providing accommodations for persons with disabilities. If you require accommodations in order to apply for any job opportunities, or require this posting in an additional format, please contact us at or If you are contacted by Home Trust regarding a job opportunity or testing and require accommodation in any stage of the recruitment process, please use the above contact information. We will work with all applicants to determine appropriate accommodation for individual accessibility needs.

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