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Highclere Capital

Manager, Credit Operations

Vaughan, ON, Canada

Job type: Full-time
Apply by: Oct 3, 2026
Posting language: English
Posted: Aug 7, 2026

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Original job description

Highclere Capital Corporation

Manager, Credit Operations

Location: Hybrid (Markham, ON) Employment Type: Full-Time

About Highclere Capital

Highclere Capital is a growing Ontario-based mortgage finance company focused on providing innovative lending solutions to underserved borrowers across Canada. With a sharp eye on compliance, service excellence, and responsible growth, we partner with mortgage professionals to deliver tailored financing with speed and integrity.

As a remote-first team, we are building a culture rooted in accountability, collaboration, and a shared commitment to doing the right thing - for our brokers, our partners, and one another.

About The Role

The Manager, Credit Operations will support the Director of Credit Operations in leading Highclere Capital's Credit & Underwriting Division. This individual will supervise a team of underwriters on a day-to-day basis, ensuring consistent, high-quality mortgage adjudication within delegated lending authority.

The Manager, Credit Operations will help maintain service levels, coach and develop underwriting staff, and act as the first point of escalation for underwriting questions and exception files before they reach the Director of Credit Operations. This role is instrumental in keeping the underwriting team running smoothly as Highclere continues to scale.

Core Responsibilities

Team Supervision & Workflow Management

Supervise the day-to-day activity of a team of underwriters, assigning files, monitoring workloads, and ensuring service level targets are met
Provide day-to-day coaching, training, and support to underwriters, reinforcing Highclere's credit policies and underwriting standards
Support the onboarding of new underwriters, including training on systems, policies, and procedures

File Review & Adjudication

Review and approve standard mortgage files within delegated lending authority, escalating complex or higher-risk files to the Director of Credit Operations
Conduct quality checks on underwriting files and work with the Quality Assurance and Audit teams to close out findings
Monitor underwriting quality, turnaround times, and productivity, and report performance trends to the Director of Credit Operations

Broker & Stakeholder Support

Act as the first point of contact for underwriters and brokers on routine file questions, escalating complex broker or lending issues to the Director of Credit Operations

Process & Compliance Support

Support the rollout and adoption of underwriting policy changes and adjudication technology within the team
Identify recurring underwriting issues or bottlenecks and bring recommendations to the Director of Credit Operations
Ensure the team's day-to-day work adheres to AML, KYC, and other regulatory requirements
Assist with special projects and process improvements led by the Director of Credit Operations, as needed

Skills & Experience

Must-Have Qualifications

5+ years of experience in residential mortgage underwriting or credit operations
2+ years of experience supervising or leading an underwriting or credit team
Strong understanding of mortgage underwriting standards, credit policy, and documentation requirements
Familiarity with mortgage insurers, investors, and lending guidelines
Strong coaching and people-management skills, with the ability to develop underwriting talent
Excellent attention to detail and sound credit judgment
Effective communication skills, with the ability to liaise with brokers, underwriters, and cross-functional teams
Working knowledge of AML, KYC, and regulatory requirements

Preferred Qualifications

Comfortable working with underwriting/adjudication technology and AI-enabled tools
Degree in finance, business, or a related field (preferred)
Bilingual (English & French) is an asset

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More about this job

Responsibilities

Supervise and develop a team of underwriters, manage file assignments and service levels, and review standard mortgage applications within delegated lending authority. Support brokers and underwriters, monitor quality and productivity, reinforce compliance, and recommend process improvements while escalating complex matters to the Director of Credit Operations.

Requirements

Requires at least five years of residential mortgage underwriting or credit operations experience and at least two years leading or supervising an underwriting or credit team. Candidates should have strong mortgage credit-policy knowledge, sound judgment, coaching and communication skills, and working knowledge of AML, KYC, and regulatory requirements; a related degree and English-French bilingualism are preferred assets.

Skills

Residential Mortgage Underwriting
Credit Operations
Team Supervision
People Management
Mortgage Adjudication
Credit Policy
Credit Judgment
File Review
Quality Assurance
Workflow Management
Coaching and Training
Broker Relations
AML Compliance
KYC Compliance
Regulatory Compliance
Process Improvement

Visa sponsorship

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Keywords

Residential Mortgages
Mortgage Underwriting
Credit Operations
Credit and Underwriting Division
Mortgage Adjudication
Delegated Lending Authority
Credit Policy
Underwriting Standards
Mortgage Insurers
Investors
Lending Guidelines
Documentation Requirements
Underwriting Technology
AI-Enabled Tools
Quality Assurance
Audit
AML
KYC
Regulatory Compliance
Broker Support
Service-Level Targets
Workflow Management
Staff Coaching
Onboarding
Process Improvement
Financial Services

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