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Regional Director Home Financing Lending
4 weeks ago
Requisition ID: 200009
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
Purpose
The Regional Director is responsible for residential mortgage underwriting oversight for the Home Financing Solutions (HFS) business in Real Estate Secured Lending (RESL). The Regional Director manages a team of highly experienced mortgage underwriters, referred to as Home Financing Lending Managers, and plays a critical role in ensuring the mortgages originated from HFS have sound credit quality within the Bank’s risk appetite, while driving profitable growth and supporting a winning client experience.
The Regional Director is responsible for implementing tactical strategies, training, and onboarding for their team, and managing the team of HFLMs to meet goals within a balanced scorecard includes:
Accountabilities:
1. Expert residential mortgage credit underwriting leadership experience:
Successful track-record of leading underwriting and/or credit risk teams Expert knowledge of mortgage credit policy, residential underwriting, regulatory requirements Strong ability to manage volumes and workflow effectively Proven track-record of managing credit authority / lending limits2. Lead and manage a team of HFLMs by:
Providing direction, guidance, and support as required on mortgage files Recognizing strong performance and managing non-performance Monitor HFLM’s pipeline and ensure that they have an adequate supply of business from Home Financing Advisors (HFA) to meet goals. Shift HFAs as required in collaboration with Regional Directors, Sales. Preparing and obtaining agreement on individualized business plans for all Direct Reports, to ensure all required responsibilities, practices and disciplines are in place.3. Ensure effective servicing, processing (underwriting, adjudication, due diligence) and approval of mortgage applications and maintain the overall credit quality within the established parameters for underwriting by:
Effectively communicating Bank lending policy and procedures to HFLM’s to instill a thorough knowledge of lending requirements, and qualifying parameters. Providing guidance and counselling to HFLM’s on all new credits; monitoring the quality of credits and integrity of credit risk ratings. Strong ability to identify red flags in applications. Monitoring and ensuring adherence to regulatory and internal Bank requirements and compliance legislation. Analyzing exception applications or applications escalated outside HFLM limits, as well as declined applications. Ensuring control systems are in place to mitigate damages that the Bank could possibly incur and all Direct Reports are abiding by these control systems and authorized credit limitations. Monitoring team performance and taking appropriate action to ensure that sub-standard performance is corrected. Reviewing escalated appraisals Strong ability to work closely with key stakeholders across the Bank (Real Estate Secured Lending Team, Global Risk Management, Fraud, Adjudication Centre of Excellence, Home Financing Solutions Sales Teams, etc).4. Ensure the Bank and Client’s interests are always protected by:
Ensuring operating practices and procedures comply with internal Bank and regulatory requirements including Bank policies, rules and regulations, confidentiality of information, Audit/segregation of duties, The Privacy Code, Anti-Money Laundering/Anti-Terrorist Regulations, “Know Your Client” requirements, Corporate Identity Standards, Chain of Communication and Complaint Resolutions, and Code of Conduct Ensuring all documents/forms used by the Department during business comply with Bank standards, provide no risk exposure, and where necessary, are approved by the Bank’s Legal Counsel. Making decisions that do not compromise the interests of parties concerned or put the Bank or clients at risk. Ensuring all irregular and fraudulent activity is identified, escalated and investigated and risk mitigation strategies are implemented, liaising with senior management or other business partners as appropriate. Ensuring that all direct reports adhere to their credit limits and properly and accurately enter information into computer underwriting systems.5. Builds a high-performance environment and implements a people strategy that attracts, retains, develops, and motivates their team by fostering an inclusive work environment and using a coaching mindset and behaviours; communicating vison/values/business strategy; managing succession and development planning for the team.
Education/Experience:
Working Conditions:
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