Job Information
Manulife Director, Account Management & Underwriting in Toronto, Ontario
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.
Acerca de Manulife y John Hancock
Manulife Financial Corporation es un importante proveedor internacional de servicios financieros que ayuda a las personas a tomar decisiones de una manera más fácil y a vivir mejor. Para obtener más información acerca de nosotros, visite http://www.manulife.com .
Manulife es un empleador que ofrece igualdad de oportunidades
En Manulife/John Hancock, valoramos nuestra diversidad. Nos esforzamos por atraer, formar y retener una fuerza laboral tan diversa como los clientes a los que prestamos servicios, y para fomentar un entorno laboral inclusivo en el que se aprovechen las fortalezas de las culturas y las personas. Estamos comprometidos con la equidad en las contrataciones, la retención de talento, el ascenso y la remuneración, y administramos todas nuestras prácticas y programas sin discriminación por motivos de raza, ascendencia, lugar de origen, color, origen étnico, ciudadanía, religión o creencias religiosas, credo, sexo (incluyendo el embarazo y las afecciones relacionadas con este), orientación sexual, características genéticas, condición de veterano, identidad de género, expresión de género, edad, estado civil, estatus familiar, discapacidad, o cualquier otro aspecto protegido por la ley vigente.
Nuestra prioridad es eliminar las barreras para garantizar la igualdad de acceso al empleo. Un representante de Recursos Humanos trabajará con los solicitantes que requieran una adaptación razonable durante el proceso de solicitud. Toda la información que se haya compartido durante el proceso de solicitud de adaptación se almacenará y utilizará de manera congruente con las leyes y las políticas de Manulife/John Hancock correspondientes. Para solicitar una adaptación razonable en el proceso de solicitud, envíenos un mensaje a hr@manulife.com .
Referenced Salary Location
CAN, Nova Scotia, Halifax, 2727 Joseph Howe Drive
Modalidades de Trabajo
Híbrido
Salary range is expected to be between
$108,000.00 CAD - $158,000.00 CAD
Los empleados también tienen la oportunidad de participar en programas de incentivos y recibir una compensación vinculada al rendimiento empresarial e individual. El salario real variará según las condiciones del mercado local, la geografía y factores relacionados con el puesto como conocimientos, habilidades, requerimientos, experiencia y educación/formación. Si solicitas este puesto fuera de tu ubicación principal, por favor escríbenos a hr@manulife.com para conocer el rango salarial correspondiente a tu ubicación.
Manulife ofrece a los empleados aptos una amplia variedad de beneficios personalizables, entre ellos, beneficios de salud, odontológicos, de salud mental, oftalmológicos, por discapacidad a corto y a largo plazo, cobertura de seguro de vida y por muerte accidental y desmembramiento, adopción/subrogación y bienestar, y planes de asistencia al empleado/familiar. También ofrecemos a los empleados admisibles varios planes de ahorro para la jubilación (incluidos planes de pensiones y un plan mundial de propiedad de acciones con contribuciones equivalentes del empleador) y recursos de asesoramiento y educación financiera. Nuestro generoso programa de tiempo libre remunerado en Canadá incluye feriados, vacaciones, días personales y días por enfermedad, y ofrecemos la gama completa de ausencia laboral reglamentaria. Si se está postulando para este puesto en los EE. UU., póngase en contacto con hr@manulife.com para obtener más información sobre las disposiciones relativas al tiempo libre remunerado específicas de EE. UU.
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