Reporting to the Director, Broker Services and Mortgage Product, The Manager, Mortgage Product Policy is responsible for proposing and implementing residential mortgage underwriting policies, procedures, and guidelines. The successful candidate will stay abreast of industry trends and best practices to deliver policy enhancements that align with the Bank’s strategic objectives and regulatory requirements. This position requires a deep understanding of mortgage products, regulatory frameworks and the policy development and implementation process. **Position Responsibilities:** Policy development and implementation + In collaboration with credit risk management, ensure the design, development and implementation of origination and servicing credit policies for Residential Mortgage Products are effective. + Identify, evaluate, and address opportunities to enhance credit risk policies in support of new mortgage products/programs, product enhancements, portfolio performance, changes to the industry and regulatory landscape, and business operations. + Develop proposals for policy enhancements to the residential underwriting standards + Prepare and assess credit risk proposals and provide Senior Management with sound recommendations for changes to credit adjudication and account management policies, regulations and major business initiatives. This includes assessment of new programs/products, new pilots or pilot extension or program renewals, etc. Following up approval conditions that may be established as part of Credit Committee’s approval to ensure that the business implements required conditions. + Work in close collaboration with technology, sales, underwriting and operations to ensure credit policies and strategies are implemented accurately, production issues are identified and fixed in a timely fashion. Roadmap + Create and maintain the policy roadmap for mortgage products to ensure competitive product positioning and end-to-end advisor & customer experience for the Bank’s mortgage products. + Conduct data analysis to validate existing policy parameters and assess impact of changes. Ensure timely tracking and monitoring of policy and strategy changes. Performance Analysis + Review and conduct analysis of existing policy and portfolio trends to identify, promote and lead opportunities to recommend changes to enhance performance and overall customer experience. + Review and conduct analysis of existing policy and portfolio trends to identify, promote and lead opportunities to improve client experience, optimize risk and return through the credit cycle, improve the efficiency and effectiveness of policy and procedures including streamlining, automating, and standardization; recommend changes to enhance performance and overall customer, broker and advisor experience Market Analysis + Conduct comprehensive market research and competitive analysis to identify trends, customer preferences and growth opportunities within the mortgage market + Maintain in-depth knowledge of risk related federal and provincial legislation requirements and external default insurance polices, including changes in, and emerging issues related to, the competitive landscape, the Bank's regulatory environment and the potential impacts on Residential Mortgage lending products. + Prepare regular reporting on product performance and market insights for senior management + Benchmark mortgage policies against industry competitors **Required Qualifications:** + Bachelor’s degree, preferable in Business, Finance, Economics or a related field + Minimum of 5 years of experience in any of the following areas: Credit adjudication/underwriting or policy management, mortgage product management in the financial services industry + Proven track record of successfully developing and implementing mortgage policies + Expert level knowledge of mortgage products, underwriting and the regulatory environment + Experience in secured lending and real estate policies is preferred **Preferred Qualifications:** + Strong analytical skills and the ability to design and interpret information/data required to monitor the performance of credit portfolios are essential. + Exceptional written and oral communication skills, including a developed ability to present to audiences of varying backgrounds and expertise + Strategic thinker with good judgment and strong understanding of process + Ability to work effectively in a fast-paced and dynamic environment + Strong financial skills, solid deductive reasoning, sound judgement and creativity + Strong skills in strategic influencing and working collaboratively with cross functional business partners, and with external vendors **_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. \#LI-Hybrid **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 recruitment@manulife.com . **Referenced Salary Location** Waterloo, Ontario **Modalidades de Trabajo** Híbrido **Salary range is expected to be between** $80,700.00 CAD - $145,260.00 CAD Si se está postulando para este puesto fuera de la ubicación principal, póngase en contacto con recruitment@manulife.com para conocer el rango salarial de su ubicación. El salario real variará según las condiciones locales del mercado, la geografía y los factores relacionados con el trabajo pertinentes, como conocimiento, habilidades, calificaciones, experiencia y educación/capacitación. Los empleados también tienen la oportunidad de participar en programas de incentivos y obtener una compensación de incentivos vinculada al desempeño comercial e individual. 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 recruitment@manulife.com para obtener más información sobre las disposiciones relativas al tiempo libre remunerado específicas de EE. UU.