Operations Leader

Northpoint Commercial Finance is seeking a U.S. Operations Leader to establish and govern the operating framework for its U.S. Equipment Finance business. Reporting directly to the Commercial Leader, U.S. Equipment Finance, this role will be responsible for developing the policies, procedures, standards, controls, reporting, and system requirements supporting the full transaction lifecycle, including documentation, funding, booking, titling, lien perfection, collateral monitoring, servicing, tax administration, buyouts, end-of-term activities, and collections. The role will work closely with Northpoint's Canadian Equipment Finance operations organization to leverage shared systems, workflows, vendors, and infrastructure wherever practical, while identifying, overseeing, and guiding U.S.-specific deviations required by federal, state, and local laws, tax obligations, titling requirements, and equipment finance market practices.

MAJOR RESPONSIBILITIES:

• Serve as the primary U.S. operations liaison with Northpoint's Canadian Equipment Finance operations organization and promote a consistent North American operating model by leveraging shared systems, workflows, vendors, servicing capabilities, data, and controls wherever practical.
• Design and maintain the U.S. operating model across the complete equipment finance transaction lifecycle, including policies, procedures, service standards, control points, roles, handoffs, exception protocols, and escalation paths.
• Identify, document, oversee, and guide deviations from current practices and procedures required by U.S. federal, state, and local laws, tax obligations, titling requirements, lien perfection standards, servicing requirements, collection practices, reporting needs, and market conventions.
• Establish U.S. documentation, closing, funding, booking, and quality-control standards for loans, conditional sales contracts, finance leases, FMV leases, TRAC leases, first amendment leases, municipal transactions, and titled asset transactions.
• Develop policies and govern detailed titling, registration, UCC, and lien perfection for titled and non-titled collateral, including title application standards, state-specific filing requirements, electronic lien and title processes, lienholder accuracy, title vendor oversight, title evidence tracking, perfection deadlines, missing-title follow-up, UCC searches, financing statement filings, amendments, releases, continuations, terminations, title processing, lien perfection, collateral substitutions, monitoring, insurance, verification, releases, and exception reporting, and controls to ensure Northpoint's secured position is established, maintained, and released appropriately throughout the contract lifecycle.
• Establish sales and use tax administration policies and procedures, including tax determination, collection, billing, remittance, certificate management, registrations, reconciliations, notices, audit support, and multi-state service-provider oversight.
• Establish personal property tax administration policies and procedures for owned or leased equipment where Northpoint has filing or payment obligations, including jurisdiction identification, asset data, returns, assessments, bill validation, customer billing, reconciliation, and record retention.
• Develop operating frameworks for servicing, buyouts, renewals, extensions, early terminations, returns, upgrades, end-of-term activities, and collections in collaboration with Asset Management and other stakeholders.
• Develop and oversee collections management strategy, performance standards, reporting, and escalation routines across the full collection’s lifecycle, from early-stage delinquency through workout, litigation support, recovery, and charge-off management.
• Define operational key performance indicators, service-level measures, compliance reporting, exception reporting, management dashboards, quality assurance routines, reconciliations, audit readiness practices, issue management, and control testing.
• Define selection, onboarding, oversight, performance, and escalation standards for tax administrators, filing agents, title vendors, collection agencies, repossession firms, and other service providers.
• Define system, workflow, integration, data, document retention, and reporting requirements for U.S. operations, and partner with Technology, Finance, Credit, Legal, Tax, and other stakeholders to support configuration, implementation, user acceptance testing, training, and ongoing enhancement.
• Serve as the senior escalation point for operational exceptions and complex U.S.-specific documentation, tax, titling, lien, servicing, buyout, end-of-term, and collection matters.

SKILLS:

• Bachelor's degree in Business, Finance, Accounting, Operations, or a related field, or equivalent relevant experience.
• 10+ years of equipment finance operations experience across multiple stages of the contract lifecycle.
• Demonstrated expertise in documentation, funding, booking, servicing, collections, titling, lien perfection, UCC administration, collateral monitoring, and end-of-term processes.
• Working knowledge of U.S. sales and use tax and personal property tax administration in an equipment finance, leasing, or commercial lending environment.
• Strong understanding of the operational implications of U.S. federal, state, and local legal requirements and jurisdictional variation.
• Experience developing policies, procedures, controls, reporting, system requirements, and scalable workflows.
• Proven ability to influence cross-functional stakeholders without relying on direct authority.
• Excellent written, verbal, problem-solving, and project execution capabilities.
• Preferred experience integrating a cross-border or shared-services operating model and working with equipment finance servicing platforms, workflow tools, tax engines, UCC filing systems, title services, and third-party tax administrators.
• Preferred experience supporting vendor finance programs, municipal lending, titled vehicles, TRAC leases, and multi-state portfolios.

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