Manager, Credit Operations
- Vaughan, ON, Canada
Full-time
Applications open in a new tab.
Job details
- Job type
- Full-time
- Posting language
- English
- Posted
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
Must-Have Qualifications
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
- 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
- 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
- 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
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
- 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
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
Not detected in the job text
Categories
- Finance & Accounting
- Management & Leadership
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