Manager, Funding

THE PERSON WHO makes sure

IT ALL COMES together.

The Opportunity
We are seeking an experienced and people-focused Manager, Funding to lead our Funding team and ensure mortgages close as scheduled, with funds released accurately and efficiently. This role is ideal for a seasoned mortgage funding professional who combines in-depth knowledge of the closing process with proven leadership skills and a commitment to protecting the Bank through strong pre-funding controls.

As the Manager, Funding, you will lead a team of Funding Associates and a Quality Assurance Associate who serve as the central point of contact for solicitors and notaries through closing. You'll ensure good order reviews are completed efficiently and accurately before funds are released, act as the subject matter expert for funding policies, procedures and systems, and work closely with Credit, Sales, Servicing and Compliance to keep closings on schedule while delivering a best-in-class experience for brokers and clients.

The Team You’ve 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, you’ll be part of a nimble, forward-thinking organization where your ideas matter, your contributions are valued, and your growth is encouraged. We’re driven to make a positive impact and our close-knit culture values flexibility, innovation, and genuine connection. As part of the Bridgewater team, you’ll 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’re a professional, engaging leader with proven experience leading and coaching a team and providing performance management.
• You strive to promote innovation, build rapport, and motivate staff for continual improvement.
• You’re a great communicator who builds trust across teams, uses sound judgment, works hard, acts ethically, and takes responsibility for your own actions.
• You work best in a culture where employees are treated like members of the family…because it makes sense.
• You’re a natural at building great relationships and providing savvy advice and value-added recommendations.
• You understand the importance of role modeling the organization’s values, being professional and being an effective leader day-in and day-out.

How You’ll Make an Impact

• Lead and Develop a High-Performing Team
  • Manage and supervise the day-to-day activities of the Funding Associates and Quality Assurance Associate.
  • Lead all components of people management, including hiring, onboarding, target setting, performance reviews, and resource planning.
  • Set clear performance expectations, provide regular feedback and recognition, and hold team members accountable for results.
  • Coach, mentor, and provide ongoing training based on each employee’s needs, including career development and succession planning.
  • Facilitate regular team meetings and one-on-ones to keep employees informed and promote a collaborative environment with open and honest communication.
  • Champion Bridgewater Bank’s culture to enhance employee engagement, recruitment, and retention.
• Ensure Funding Quality and Good Order
  • Take ownership and accountability for the funding of the mortgage commitment and its successful end-to-end execution through closing.
  • Ensure the Funding team confirms all broker conditions have been resolved by the Underwriter/Associate prior to funding.
  • Ensure the Funding team completes good order file reviews and resolves 100% of solicitor/notary funding conditions before funds are released.
  • Act as the subject matter expert for funding policies, procedures, and systems, and support the team in applying them consistently.
  • Evaluate and escalate complex funding issues that fall outside policy, process, or procedural guidelines, balancing the client’s needs with the protection of the Bank’s interests.
  • Identify file quality gaps found through funding and post-funding reviews, communicate them to the Credit team, and escalate trends to the Director, National Credit.
• Drive Operational Excellence
  • Manage the funding queue and closing pipeline to ensure deals are instructed and close as scheduled and SLAs and service standards are achieved.
  • Manage the post-funding Final Documentation process, ensuring documentation is received and necessary follow-up is performed.
  • Review funding reports and drive the team to achieve Key Performance Indicator targets.
  • Identify and recommend process improvements and efficiencies, collaborating with other departments when implementing changes to operations, products, and other initiatives.
  • Monitor industry market rates and stay current on emerging trends, developments, tools, and techniques.
• Enhance Partner and Client Experience
  • Lead the Funding team as the single point of contact for solicitors and notaries through closing, delivering in-depth knowledge and expertise as well as systems and application support.
  • Act as an advocate for the client and broker experience, identifying opportunities for efficiency through effective listening, probing, and clarifying.
  • Resolve escalated funding issues with brokers, solicitors/notaries, and Business Development Managers, and provide practical solutions to keep closings on schedule.
• Protect the Bank from Fraud and Third-Party Risk
  • Ensure Funding Associates recognize and escalate red flags, including irregular payout or trust instructions, inconsistent documentation, and potential misappropriation of funds.
  • Prepare or support requests to add individuals to the Do Not Use (DNU) list for review and approval by the Director, National Credit, and ensure approved additions are communicated to and applied by the team.

What You Bring to the Table

• You have 5+ years of mortgage funding experience; alternative lending expertise is an asset.
• You bring leadership experience coaching, training, and developing a team, with a genuine interest in supporting a high-performing Funding team.
• You have a strong understanding of the end-to-end mortgage lifecycle, from approval through funding and post-funding.
• You have advanced knowledge of mortgage funding and closing processes, solicitor/notary requirements, and OSFI B-20 guidelines.
• You can interpret solicitor/notary instructions, land titles, purchase contracts, payout statements, appraisal reports, and credit bureaus, and identify inconsistencies.
• You have strong awareness of mortgage fraud red flags and understand AML and ATF requirements.
• You can define problems, establish facts, collect data, and draw valid conclusions, making sound daily decisions on whether files are in good order to fund.
• You have a high sense of urgency, strong organizational and multi-tasking skills, and thrive in a high-pressure environment with SLA and closing deadlines.
• You communicate clearly and professionally, both verbally and in writing, with internal partners, brokers, solicitors, and notaries.
• You are a positive team player with effective people skills and the ability to lead a diverse team.
• You are comfortable using mortgage platforms such as Fundmore and Wealthview, and Microsoft Office 365, including Word and Excel.
• You have a degree in Business/Commerce (preferred).

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 [email protected]. We’ll work with you feel supported throughout your journey with us.

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WORK MODEL:

In-Office-

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