Manager, Specialized Lending Real Estate

The Manager, Specialized Lending Real Estate, reporting to the Director of Specialized Lending Real Estate, will oversee the stewardship of the bank’s Commercial Real Estate and Multi-unit Residential (MUR) mortgage portfolio. This role ensures compliance with delegated lending limits and the company’s credit risk appetite while managing account performance and mitigating risk. The successful candidate will lead acquisition and credit review of new MUR mortgages, support relationship development to diversify origination, and collaborate with the securitization desk for accurate onboarding. This opportunity offers a chance to influence portfolio quality and contribute to a strong risk-based culture within the organization.

Position Responsibilities

- Perform annual surveillance on all MUR mortgage files to assess debt service capacity and borrower compliance.

- Review origination documents and approve or recommend approval of mortgages within policy limits and risk appetite.

- Assess, recommend, and secure approvals for amendments to existing MUR mortgage terms and conditions.

- Provide credit underwriting support for other commercial loan programs during non-peak periods.

- Liaise with mortgage origination partners and coordinate purchase amounts with the treasury team.

- Review, recommend or update credit policy and administrative procedures related to MUR mortgages.

- Recommend policy limits to senior management and the board as appropriate.

- Perform hand-off of purchased mortgages to the securitization desk for Canada Mortgage Bonds (CMB) program.

- Ensure procedure documents related to origination and servicing of MUR mortgages are complete and current.

- Assist in developing relationships with Manufacturers Life Insurance Company and other partners to diversify supply.

- Provide reporting to management and the board on program activity and policy limits.

- Support CMHC and auditors regarding compliance and approvals under delegated lending authorities.

Required Qualifications

- Bachelor’s degree in Business, Commerce, Economics, or Finance.

- Minimum 5+ years’ experience underwriting and managing insured Multi-Unit Residential mortgages with solid understanding of CMHC requirements.

- 5+ years’ experience in commercial real estate account management.

- Thorough understanding of the financial services industry.

- Demonstrated managerial and leadership skills.

- Strong communication skills and ability to work independently in a fast-paced environment.

Preferred Qualifications

- Bilingualism (English and French) is an asset. If the successful candidate is in Québec, proficiency in both languages will be required to support clients from various provinces outside of Quebec.

- Proven ability to foster positive outcomes in adverse credit situations.

- Experience collaborating across teams to strengthen risk-based culture.

- Ability to multi-task and prioritize effectively.

- Highest level of professionalism and sense of urgency.

When you join our team

- We’ll empower you to learn and grow the career you want.

- We’ll recognize and support you in a flexible environment where well‑being and inclusion are more than just words.

- As part of our global team, we’ll support you in shaping the future you want to see.

マニュライフとジョン・ハンコックについて

マニュライフ・ファイナンシャル・コーポレーションは、「あなたの未来に、わかりやすさを」を提供する、国際的な大手金融サービスプロバイダーです。当社について詳しくは、 https://www.manulife.co.jp/ をご覧ください。

マニュライフは機会均等を是とする雇用主です

マニュライフ/ジョン・ハンコックでは、多様性を受け入れます。私たちは、サービス提供先であるお客さまと同様に、多様な人材を引きつけ、育成し、定着させ、文化や個人の力を受け入れる包括的な職場環境を促進するよう努めています。当社は公正な採用、定着、昇進、報酬に努めています。当社のすべての慣行およびプログラムは、人種、祖先、出身地、肌の色、民族的出自、市民権、宗教または宗教的信念、信条、性別（妊娠および妊娠関連の状態を含む）、性的指向、遺伝的特徴、退役軍人としての地位、性自認、性に関する表明、年齢、婚姻状況、家族状況、障害、または適用法で保護されるその他の要因に対する一切の差別を行うことなく管理されます。

雇用への平等なアクセスを提供するために、障壁を取り除くことが当社の優先事項です。人事担当者は、応募者が応募プロセス中に合理的配慮を要求する場合に協力します。配慮要求のプロセス中に共有されるすべての情報は、適用される法律およびマニュライフ/ジョン・ハンコックのポリシーに準拠した方法で保存および使用されます。申請プロセスにおいて合理的配慮を要求するには、 recruitment@manulife.com までご連絡をお願いします。

Referenced Salary Location

Waterloo, Ontario

Working Arrangement

ハイブリッド勤務

Salary range is expected to be between

$80,700.00 CAD - $145,260.00 CAD

If you are applying for this role outside of the primary location, please contact recruitment@manulife.com for the salary range for your location. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance.

Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence. If you are applying for this role in the U.S., please contact recruitment@manulife.com for more information about U.S.-specific paid time off provisions.

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