Director, Account Management & Underwriting

Reporting to the AVP Specialized Lending Underwriting and Account Management the Director Account Management leads the underwriting and ongoing management of Manulife Banks Specialized Lending portfolio while managing a highperforming team of Account Managers and Review Analysts. This portfolio is among the Banks 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 transitionpartnering with Sales Risk Management and Operations to deliver a bestinclass 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 highnetworth 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 applicationsensuring solutions meet client needs and align with Bank policies and regulatory requirements.

• Exercise delegated lending authority and approve credit applications consistent with the Banks 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 Banks security interests.

• Identify atrisk accounts for Watchlist designation and oversee enhanced monitoring escalation and intervention in workout or insolvency scenarios.

HNW Team Leadership & Servicing Model

• Build and develop a specialized highperforming HNW account management team with deep subjectmatter expertise in wealth and insurancebased lending.

• Strengthen the HNW servicing model ensuring consistent delivery of an elevated whiteglove 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 Banks most valued and sensitive relationships.

Strategy & Operations

• Foster a strong culture aligned with Manulifes valuesfocused 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 highperforming motivated and clientobsessed 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.

• Rolemodel behaviors that enhance the customer experience and promote inclusive crossfunctional 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 highnetworth 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:

• Well empower you to learn and grow the career you want.

• Well recognize and support you in a flexible environment where well-being and inclusion are more than just words.

• As part of our global team well support you in shaping the future you want to see.

The role being advertised is an existing vacancy.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services provider helping people make their decisions easier and lives better. To learn more about us visit is an Equal Opportunity Employer

At Manulife/John Hancock we embrace our diversity. We strive to attract develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment retention advancement and compensation and we administer all of our practices and programs without discrimination on the basis of race ancestry place of origin colour ethnic origin citizenship religion or religious beliefs creed sex (including pregnancy and pregnancy-related conditions) sexual orientation genetic characteristics veteran status gender identity gender expression age marital status family status disability or any other ground protected by applicable law.

It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process contact .

Referenced Salary Location

Salary range is expected to be between

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 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 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.