Job Information
Manulife Director, Account Management & Underwriting in Halifax, Nova Scotia
Reporting to the AVP, Specialized Lending Underwriting and Account Management, the Director, Account Management leads the underwriting and ongoing management of Manulife Bank’s Specialized Lending portfolio while managing a high‑performing team of Account Managers and Review Analysts. This portfolio is among the Bank’s most complex and represents a significant growth opportunity. It includes lending against insurance and wealth assets of HNW/UHNW clients as well as financing for financial advisory business acquisitions. As the portfolio grows, our underwriting and account management functions are evolving toward a more scalable, efficient operating model.
The Director will play a critical role in this transition—partnering with Sales, Risk Management, and Operations to deliver a best‑in‑class advisory experience while ensuring strong credit discipline and exceptional service to a sophisticated client base. This role requires sound judgment, deep expertise in complex credit structures, and an ability to lead and elevate a team serving high‑net‑worth individuals, business owners, and influential financial professionals.
Job Responsibilities:
Loan Underwriting
Apply deep lending expertise, financial acumen, and a strong understanding of tax and estate planning strategies to structure, assess, and analyze credit applications—ensuring solutions meet client needs and align with Bank policies and regulatory requirements.
Exercise delegated lending authority and approve credit applications consistent with the Bank’s risk appetite.
Communicate credit decisions clearly to Sales, Advisors, and clients, ensuring all conditions and terms are fully understood.
Lead and support a team of skilled underwriting professionals, providing direction on complex deal structuring and managing escalations to ensure efficient and effective approval processes.
Account Management
Oversee effective portfolio monitoring, including timely completion of annual reviews and ongoing surveillance to assess portfolio health.
Monitor collateral positions and ensure prompt action on surpluses or deficits to protect the Bank’s security interests.
Identify at‑risk accounts for Watchlist designation and oversee enhanced monitoring, escalation, and intervention in work‑out or insolvency scenarios.
HNW Team Leadership & Servicing Model
Build and develop a specialized, high‑performing HNW account management team with deep subject‑matter expertise in wealth‑ and insurance‑based lending.
Strengthen the HNW servicing model, ensuring consistent delivery of an elevated, white‑glove client experience tailored to the needs of sophisticated borrowers and their advisors.
Establish rigorous service standards, response expectations, and escalation pathways designed specifically for HNW/UHNW clients and their intermediaries.
Foster strong partnerships with internal and external stakeholders (Advisors, Wholesalers, Private Wealth teams) to enhance relationship continuity and support complex credit conversations.
Champion a culture of discretion, technical excellence, and proactive stewardship appropriate for the Bank’s most valued and sensitive relationships.
Strategy & Operations
Foster a strong culture aligned with Manulife’s values—focused on client outcomes, quality credit decisions, speed to market, and portfolio profitability.
Contribute to the development and enhancement of specialized and business lending policies, ensuring alignment with strategy, risk appetite, and product intent.
Implement and manage processes that support efficient, scalable underwriting and account management workflows.
Leadership & Team Development
Inspire, coach, and engage employees to build a high‑performing, motivated, and client‑obsessed team.
Provide regular feedback, manage performance, and set clear expectations and accountability.
Build talent through targeted development plans, career discussions, and a culture of continuous learning.
Role‑model behaviors that enhance the customer experience and promote inclusive, cross‑functional collaboration.
Required Qualifications
5+ years of relevant underwriting and lending experience.
University degree in Business or a related field.
Strong knowledge of tax and estate planning strategies.
Expert knowledge of entrepreneurial and/or high‑net‑worth lending.
Excellent written and verbal communication skills.
Deep understanding of lending policies and procedures.
Strong understanding of insurance structures and the strategies used by advisors.
Experience working with private business financial statements, including holding companies.
Advanced relationship management and negotiation skills.
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.
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.
The role being advertised is an existing vacancy.
Giới thiệu về Manulife và John Hancock
Tập đoàn Manulife Financial là nhà cung cấp dịch vụ tài chính quốc tế hàng đầu giúp mọi người quyết định dễ dàng hơn và có cuộc sống vẹn toàn hơn. Để tìm hiểu thêm về chúng tôi, hãy truy cập https://www.manulife.com.vn/ .
Manulife là Nhà sử dụng lao động không phân biệt đối xử
Tại Manulife/John Hancock, chúng tôi luôn đón nhận sự đa dạng. Chúng ta cố gắng thu hút, phát triển và duy trì lực lượng lao động đa dạng tương tự như những khách hàng mà chúng ta phục vụ, đồng thời thúc đẩy một môi trường làm việc hòa nhập, đề cao thế mạnh của từng nền văn hóa và cá nhân. Chúng ta cam kết tuyển dụng, duy trì, thăng tiến và trả lương một cách công bằng. Đồng thời, chúng ta quản lý tất cả các hoạt động và chương trình của mình mà không phân biệt đối xử dựa trên chủng tộc, dòng họ, xuất thân, màu da, nguồn gốc dân tộc, quyền công dân, tôn giáo hoặc tín ngưỡng tôn giáo, đức tin, giới tính (bao gồm phụ nữ mang thai và các tình trạng liên quan đến mang thai), xu hướng tính dục, đặc điểm di truyền, tình trạng cựu chiến binh, bản dạng giới, biểu hiện giới, tuổi tác, tình trạng hôn nhân, tình trạng gia đình, khuyết tật hoặc bất kỳ căn cứ nào khác được pháp luật hiện hành bảo vệ.
Ưu tiên của chúng ta là loại bỏ các rào cản để đem lại cơ hội tiếp cận việc làm bình đẳng. Đại diện Bộ phận Nhân sự sẽ làm việc với những ứng viên có yêu cầu điều chỉnh hợp lý trong quá trình ứng tuyển. Tất cả thông tin được chia sẻ trong quá trình yêu cầu điều chỉnh sẽ được lưu trữ và sử dụng tuân theo pháp luật hiện hành và chính sách của Manulife/John Hancock. Để yêu cầu điều chỉnh hợp lý trong quá trình ứng tuyển, hãy liên hệ với hr@manulife.com .
Referenced Salary Location
CAN, Nova Scotia, Halifax, 2727 Joseph Howe Drive
Working Arrangement
Kết hợp
Salary range is expected to be between
$108,000.00 CAD - $158,000.00 CAD
Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. 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. If you are applying for this role outside of the primary location, please contact hr@manulife.com for the salary range for your location.
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 hr@manulife.com for more information about U.S.-specific paid time off provisions.
We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement (https://careers.manulife.com/global/en/talentacquisitionprivacystatement) .