Director, Commercial Lending Operations

Come join Home Trust Company as a Director, Commercial Lending Operations in our Underwriting - Large Commercial team!  

Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people.  Home Trust is a private company. 

FIRST THING – WHAT YOU NEED TO SUCCEED?  
We are looking for individuals who are dedicated, passionate, and driven to execute with excellence! 

WE CARE ABOUT OUR EMPLOYEES WELL-BEING, WHAT WE OFFER: 

• Base salary, with yearly incentive performance bonus 

• Three (3) weeks of vacation, an additional six (6) flex days (sick or personal) in addition to statutory holidays 

• Comprehensive benefit packages, offered through Manulife  

• Group Retirement Savings Plan (GRSP) up to 8% contribution program & employer match 

• $1000 Employee Referral Program  

• Employee Discounts; phone plans, gym membership, Toronto Bike Share and many retailer discounts offered through WorkPerks 

• Education Assistance program 

ABOUT THE ROLE:  

We’re looking for a strategic, operations-driven leader to support and strengthen our Commercial Underwriting and Lending business. As the Director, Commercial Lending, you will be a key partner in driving business transformation, executing and leading critical projects. You’ll lead initiatives that promote process excellence and ensure compliance with regulatory and risk standards.

In addition:  

• Lead and oversee special projects and strategic initiatives to drive operational improvements and support business transformation.
• Implement and adhere to ERM Independent Challenge and Internal Control Testing guidelines to support risk identification, assessment, and mitigation.
• Own service management, including onboarding, performance reviews, risk assessments, and compliance for business partners (agents, appraisers, consultants).
• Manage Panorays vendor security platform for InfoSec and Business Continuity monitoring.
• Maintain onboarding documents and track timelines in HomeVault.
• Oversee annual reviews and updates of Mortgage Participation & Servicing Agreements with servicers, legal, and regulators.
• Conduct regular Servicer relationship reviews and performance scorecards to identify risks such as AML and delinquencies.
• Collaborate with business unit Directors to manage and resolve audit and risk findings from ERM, compliance, and regulatory assessments.
• Lead commercial projects and business enablement initiatives, including new risk assessment tools (BERAT).
• Work cross-functionally to manage risk, reporting, and business roadmaps.
• Build and lead a high-performing team aligned with business goals.
  

WHAT WE REQUIRE: 

• Authorized to work in Canada 
• University degree in related area or discipline.
• 5 to 10 years of experience in commercial mortgage lending, lending products, underwriting, and people leadership.
• In depth understanding of commercial lending products, policies and guidelines with proven experience in project management, process improvement, and risk oversight
  

Why Join Us?
Be part of a growing organization that values innovation, collaboration, and integrity. Your expertise will help shape the future of commercial lending operations.

PREREQUISITE: Maintain a positive supportive attitude, help to maintain an inclusive and supportive company culture! 

Note: The internal title for this role is Director, Commercial Operations Special Projects.

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