Responsible for the development, implementation and governance of a comprehensive framework used to manage underwriting and residential real estate credit risk Manage the underwriting process, pipeline, loan quality, personnel, and deal structuring of mortgage transactions Manage workflow and monitor daily productivity, ensure proper controls and procedures are documented, maintained and followed and identify trends Accountable for end results, budgeting, planning, policy and procedure formulation, and contribution to future strategy in Underwriting.

Establish goals and objectives for the department, ensuring proper controls and procedures exist for timely and accurate processing of credit reviews while maintaining an environment focused on credit quality, service, accuracy and efficiency.

Manage compliance, business and independent risk controls as required and/or needed Partner with credit risk to analyze and provide credit recommendations and guidance to senior leadership Create and foster an environment of teamwork, camaraderie and professional growth and development Routine interactions with Sales, Compliance, Legal, Credit Risk, Independent Risk, and Senior Management to accomplish business objectives Makes recommendations to enhance credit policy to meet business needs Hire, manage, coach and constantly evaluate the team members and leadership team Prepare and issue senior management reports and deliver presentations to large audiences Responds to Quality Control, Compliance Testing and Internal and External Audit findings Ability to write clear proposals, project plans, and presentations.

Ability to explore alternatives and positions to reach outcomes that are supported and accepted by various parties.

Ability to work effectively in situations requiring analytical, interpretive and problem-solving techniques. 10+ years underwriting leadership experience managing high performing teams, preferably in a banking environment Excellent knowledge of mortgage compliance in general, and specific underwriting compliance Strong analytical skills, including financial analysis of complex information e.g. corporate cash flows, multiple sources of personal income, structuring complex mortgage or other financing transactions Demonstrated ability to synthesize information, prioritize business goals and drive results with a high sense of urgency Strong interpersonal, influencing and written/verbal communications skills.

Outstanding people leadership skills, able to envision an enhanced future state and motivate and inspire others to create it.

Pragmatic problem solver, forward thinker with independence of thought.

Ability to create support and buy-in across a wide range of stakeholders; create a strong network of relationships among peers, internal partners, external constituencies and decision makers.

Aptitude to work independently as well as with a team with minimal direction in a fast-paced, changing environment - excellent prioritization skills a must.

Bachelor's degree/University degree or equivalent experience Master's degree preferred ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: Feb 19, 2026