Director, National Credit

THE BIGGEST risk IS A missed OPPORTUNITY.

The Opportunity
Are you a strategic forward-thinking leader with a passion for smart lending and sound risk management Were looking for a Director National Credit to guide our credit risk strategy strengthen our lending operations and help us continue building a robust high-performing portfolio.

In this pivotal role youll oversee all areas of credit and lending riskchampioning best-in-class underwriting practices ensuring full regulatory and policy compliance and driving operational excellence across underwriting funding quality assurance and recoveries. Youll balance strong risk-mitigation frameworks with a keen eye for opportunity supporting sustainable business growth without compromising the integrity of our portfolio. Collaboration is key. Youll partner closely with our broker network internal sales teams and external partnersworking together to promote protect and elevate the interests of the Bank nationwide.

If youre ready to make a national impact shape the future of lending and bring a balanced business-minded approach to credit leadership wed love to meet you.

The Team Youve Been Looking For
As a wholly owned subsidiary of AMA we share a proud legacy of service and a commitment to doing the right thing for our customers our communities and each other. At Bridgewater Bank youll be part of a nimble forward-thinking organization where your ideas matter your contributions are valued and your growth is encouraged. Were driven to make a positive impact and our close-knit culture values flexibility innovation and genuine connection. As part of the Bridgewater team youll enjoy:

• Competitive salary and flexible benefits
• Employer-paid retirement savings program
• Employee-exclusive discounts on travel insurance memberships and more
• Free travel medical insurance for you and your immediate family
• Ongoing professional development
• Flexible work models that make sense for your lifestyle

Who You Are

• You pride yourself on your strong leadership skills enjoy motivating your team and helping them discover their inner greatness.

• Stressful situations High pressured decisions No problem! You perform extraordinarily in these scenarios making rational decisions and taking appropriate actions.

• You are focused on solutions that balance risk while growing our high-performing portfolio.

• As a great communicator you have the ability to build strong relationships internally and with partners brokers and third parties.

• You are both a right- and left-brained thinker. Your approach is balanced between your innovative side and your practical rubber to the road side.

• You have an inquisitive mind and are a pragmatic thinker. You tackle problems head on make solid decisions and know when its appropriate to invite others in to collaborate on a situation.

• You are plugged in to the banking industry and motivated to actualize new solutions that benefit Bridgewater.

How Youll Make an Impact

Drive Operational Excellence

• Lead workflow staffing and process optimization to ensure smooth efficient lending operations.

• Continually streamline processes reduce costs enhance service quality and improve cycle times from application to funding.

• Oversee post-review processes and ensure strong quality assurance across all credit files.

• Develop and deliver training programs to strengthen team capability and consistency.

Advance Credit Quality & Risk Management

• Ensure underwriting procedures and guidelines remain current and aligned with market trends and regulatory requirements.

• Approve or decline escalated mortgage applications and provide expert guidance on complex files.

• Monitor key risk metrics and provide solutions that protect portfolio quality and enhance business results.

• Identify market trends and recommend updates to policies and guidelines to balance risk and opportunity.

• Chair the Credit Management Credit Committee working group (as well as other corresponding working groups as designated) to strengthen the Banks credit risk framework.

• Limit portfolio losses through direct oversight of the Recoveries function and diligent monitoring of delinquency outcomes.

Strengthen Relationships & Market Presence

• Build strong partnerships with the National Sales Team broker networks and strategic third-party referral partners.

• Represent the Bank at industry events actively promoting the brand and cultivating market relationships.

• Align customer experience standards within the credit process to meet Brand expectations.

Strategic Leadership & Collaboration

• Provide insights recommendations and solutions that support the Banks strategic goals.

• Conduct credit analysis using market trends performance metrics and regulatory requirements to guide decision-making.

• Collaborate with Senior Leadership as the lending and credit subject matter expert to shape products processes and strategic initiatives.

What You Bring to the Table

• You have 10 years experience at a senior level in residential mortgage underwriting within the banking and/or financial industry. Experience specific to alternative mortgage lending procedures and guidelines is an added benefit!

• You have 10 years experience as a senior leader with a proven track record of coaching teams with a well-developed and collaborative approach.

• You have post-secondary education in business (BCom/MBA). If your degree or experience is in something else tell us why it makes you a great candidate for this role.

• You have experience managing operations for scale and efficiency.

• Demonstrable competency in developing effective relationships with leaders at all levels of an organization.

• A keen understanding of OSFI Residential Mortgage Underwriting Guidelines and regulatory compliance.

• Youre a persuasive and passionate communicator with excellent written verbal and public speaking skills.

Belonging Matters Here
Bridgewater Bank is committed to providing an inclusive respectful and accessible environment. If you require an accommodation at any time during our recruitment process please contact . Well work with you feel supported throughout your journey with us.

WORK MODEL:

We thank all applicants for their interest; however only those selected for an interview will be contacted.