Title:  Regional Director, Home Financing Lending - Real Estate Secured Lending (RESL)

Requisition ID: 242462

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

What you will be doing:

As the Regional Director, you will oversee residential mortgage underwriting for a team of Home Financing Lending Managers (HFLMs). You will ensure underwriting quality and condition fulfillment for mortgages originating from Home Financing Solutions (HFS). Reporting directly to the Vice President, Mortgage Operations and Technology, you will drive profitable growth, credit quality, operational efficiency, customer experience, and retention of mortgage volume.

Is this role right for you? In this role, you will:

Leadership & Team Development

• Provide leadership to experienced mortgage underwriters and collaborate with selected Home Financing Advisors (HFAs), aligning with Canadian Bank and HFS strategies to foster a customer-focused sales culture and achieve retention and revenue growth.
• Directly manage and coach 20–25 HFLMs; set goals and balanced scorecards, monitor pipelines, and address performance issues.
• Develop individualized business plans; oversee onboarding and training.
• Collaborate with Sales on HFA segmentation and pipeline health.

Underwriting Oversight

• Ensure accurate underwriting, adjudication, and due diligence for mortgage applications.
• Communicate lending policies; review escalated files and appraisals.
• Monitor portfolio trends and implement corrective actions to maintain credit quality.

Strategic Execution

• Implement tactical strategies aligned with HFS objectives.
• Manage budgets and resources; resolve cross-functional issues.
• Escalate risks and recommend solutions to VP, Home Financing Solutions.

Operational & Compliance

• Ensure adherence to Bank policies, regulatory requirements, AML, FCAC, and Know Your Customer standards, etc.
• Detect and escalate irregular or fraudulent activity; enforce credit limits and system accuracy

Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:

• Bilingualism in both English and French is an asset.
• University degree preferred.
• Expert knowledge of real estate and mortgage industry (10+ years), products, programs, policies, systems (MIMs, Intralink), and Bank operating procedures.
• Strong leadership experience (5+ years), including leading remote and centralized teams.
• Proven underwriting expertise with credit authority and ability to review loans above HFA limits; skilled in financial and risk analysis, credit adjudication, and compliance.
• Knowledge of competitor products and services; understanding of Bank retail products to support cross-selling.

• Strong interpersonal and communication skills for team building, client relationships, and public speaking.
• Ability to influence, challenge the status quo, and foster a customer-focused sales culture.
• Excellent business development, networking, and presentation skills.
• Highly organized with strong planning and multi-tasking capabilities; able to work independently with minimal direction.

• Solid understanding of legal, regulatory, and competitor practices.
• Strong computer skills (Word, Excel, PowerPoint).

What's in it for you?

• Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank. We embrace diversity and provide opportunities for all employees to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans. 
• Accessibility and Workplace Accommodations - 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. Scotiabank continues to locate, remove, and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements.   
• Upskilling through online courses, cross-functional development opportunities, and tuition assistance.   
• Competitive Rewards program including bonus, flexible vacation, personal, sick days, and benefits will start on day one. 
• Community Engagement - no matter where you choose to work from; we offer opportunities for community engagement & belonging with our various programs such as hackathons, contests, cooking with friends, Humans of Digital and much more! 

Location(s):  Canada : Ontario : Toronto 

Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.  

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.