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.

關於宏利和恒康

宏利金融公司是一家業界領先的國際金融服務商，致力於幫助人們實現「輕鬆投資理財，樂享豐盛人生」。若要進一步了解我們，請瀏覽 https://www.manulifeim.com/institutional/tw/en。

宏利是平等機會僱主

在宏利／恒康，我們擁抱多元。我們致力於吸引、培養及挽留和所服務客戶同樣多元的員工，並從而營造包容的工作環境，接納文化和個體差異。我們矢志維持公平的招聘、挽留、晉升及薪酬制度，我們管理的所有實踐及項目不會因種族、血統、原籍地、膚色、族裔、國籍、宗教或宗教信仰、信仰、性別（包括懷孕及其相關情況）、性取向、遺傳特徵、退伍軍人身份、性別認同、性別表達、年齡、婚姻狀況、家庭狀況、殘疾或受適用法律保護的任何其他因素而區別對待。

我們的首要任務是消除障礙，為員工提供平等就業機會。人力資源部代表將盡力為應徵過程中提出要求的申請人提供合理協助。申請人要求提供協助所分享的信息將會按照適用法律及宏利／恒康政策儲存及使用。應徵過程中如需協助，請聯絡 recruitment@manulife.com。

Referenced Salary Location

Waterloo, Ontario

Working Arrangement

混合式

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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