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Home Financing Lending Manager – Tangerine


This is a Contract position in North York, ON posted January 29, 2021.




Requisition ID: 96131

Join the Global Community of Scotiabankers to help customers become better off.


At Tangerine, our purpose is to deliver best in class banking solutions to Canadians. We take a hands-on approach to challenges and always seek out opportunities to improve. Building a career at Tangerine is more than just a job; we are committed to making a difference in the lives of Canadians. 


Who said that you have to hide your personality to deliver business results? We certainly do not, and that is what has made Tangerine a success. Come be a part of our collaborative, energetic and passionate client-centric team and continue to drive Forward Banking solutions for all Canadians. 

Role Purpose:
Contributes to the overall success of the RESL, Retail Product Management in Canada ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives.  Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures

Is this Role right for You?


  • Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
  • Underwriting:
    • Contribute to the effective processing and approval of mortgage applications submitted from Mortgage Origination Specialists (MOS) by:
      • ​​​​​​​Determining and obtaining all pertinent credit information such as proof of income, down payment confirmation etc., and conducting appropriate due diligence in order to meet the bank’s credit and quality standards, including anti-money laundering and anti-terrorist financing standards and maintain the bank’s desired reputation with the public and regulators;
      • ​​​​​​​ Accurately inputting data to computer underwriting program and determine a “pass”, “fail” or  “further consideration” decision for each mortgage application;
      • Within a designated discretionary limit for mortgage applications which are “passed” by the system, approve, decline, or present alternatives that meet Tangerine’s Risk tolerance for mortgage transactions and recommend to a higher level those which are qualified for further review if the incumbent considers them to be credit worthy; 
      • ​​​​​​​Issuing and following-up on commitments;
      • Obtaining Mortgage Insurer approval for insured loans;
      • ​​​​​​​Ordering and reviewing appraisals for all conventional mortgages;
      • Assembling, analyzing and ensuring receipt of all relevant information and documentation prior to onward submission of the file to the mortgage operations department for timely instruction to solicitors
      • ​​​​​​​With the assistance of statistical information provided by the supervisor or other areas of the bank, monitor mortgage borrower performance and take appropriate action to ensure that sub-standard performance is corrected or if it is not, take appropriate action to terminate the relationship with the MOS
      • Monitor MOS activities and bring any activities which appear worthy of further investigation to the attention of appropriate bank officers (Manager MOS and/or Sr. Manager MOS)
      • ​​​​​​​Effectively communicating Bank lending policy and procedures, instilling a thorough knowledge of our lending requirements, and qualifying parameters.
    • MOS Support:
      • ​​​​​​​​​​​​​​Manage and monitor ongoing relationships with the established portfolio of MOS including: 
        • Maintaining an appropriate level of regular contact with the established MOS portfolio 
        • Provide support tools to assist MOS’s with their client interactions (product information, pricing and ways to counter objections and solidify deal) 
        • Developing knowledge of our products, policies and processes to improve the efficiency of each MOS relationship
        • Tracking and monitoring performance for improvement of efficiency or managing appropriate action in the event that all efforts to improve fail, which may include recommendations to the Sr. Manager HFLMs for movement of MOS’s to HFLM 
        • Interact with Manager of MOS and Sr. Manager MAM/MOS for coaching and development purposes of MOSs, specific to deal quality and operational effectiveness.
        • Ensure the delivery of a high standard of customer service and foster overall customer satisfaction that is consistent with the Tangerine Service Standards and Complaint Resolution Standards and Procedures by: 

          • ​​​​​​​Facilitating prompt turnaround times and ensuring accuracy, courtesy and knowledgeable service when dealing with MOS’s 

          • Maintaining the confidentiality of Bank and customer information

          • Being fully aware of and complying with Bank’s Privacy Code and Guidelines for Business Conduct

          • Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
          • Actively pursues effective and efficient operations of his/her respective areas in accordance with Tangerine’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk.
          • Champions a high performance environment and contributes to an inclusive work environment. 

            Skills you need to Succeed?

            • University Degree preferred
            • Underwriting track-record with authority limits
            • Extensive experience in real estate secured lending 
            • Knowledge of and experience in dealing with mortgages generated by MOS’s and the mortgage industry in general
            • Expert knowledge of Bank mortgage products, and all the policies / procedures, relating to the credit adjudication and funding of the products
            •  Proven interpersonal and communication skills to deal with the demands of MOS’s and to be able to tactfully relay unpopular messages
            • Sound organizational skills with ability to prioritize and give close attention to detail
            • Thorough knowledge of the pertinent Real Estate market, competitor innovations, trends and developments
            • Thorough knowledge of mortgage related products (Mortgage Insurance / Insurance, other credit products, deposit products and etc.)
            • Knowledge of Bank external marketing programs


            What’s in it for you.

            • You’ll be part of a diverse, collaborative, innovative, and high-performing team
            • We offer a competitive rewards package
              • Performance bonus, Share Ownership Program, and Pension Plan Matching
              • Health Benefits from day one!
            • Office perks: free healthy snacks (chocolate is healthy, right?) subsidized on-site cafeteria and parking
            • You will enjoy work life balance, team events, and opportunities to volunteer in the community. 
            • Your career matters! You will have access to career development and progression opportunities. 

              Location(s):  Canada : Ontario : North York 

              As Canada’s International Bank, we are a diverse and global team. We speak more than 100 languages with backgrounds from more than 120 countries. Our employees are committed to a superior customer experience and use the Bank’s six guiding sales practice principles to ensure they act with honesty and integrity.

              At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.