Associate Director, Mortgages

KingSett Capital Inc.; Toronto; On-site; CAD 120,000 - 135,000; Full time

Benefits offered by this job

Variable discretionary bonus

Benefits

Job summary

KingSett Capital Inc. is looking for an Associate Director to join their Mortgages, Portfolio Management team in Toronto. The successful candidate will manage a portfolio of underperforming loans, offering restructuring and risk mitigation strategies while collaborating with senior stakeholders.

This role requires a CA or CPA designation, ideally with 3–5 years of experience in restructuring or real estate, and proficiency in Microsoft Office. Compensation includes a base salary of $120,000-135,000 along with a variable bonus and benefits.

Qualifications

• 3–5 years of relevant professional experience in restructuring, insolvency, or a related advisory environment.
• Experience in real estate considered an asset.
• Ability to adapt quickly and perform under pressure.

Responsibilities

• Review and assess mortgage loan structures in new deals.
• Contribute to the Mortgage Credit Committee with risk-aware perspectives.
• Resolve underperforming loan files with tailored strategies.
• Coordinate execution of restructuring strategies with stakeholders.
• Advise legal partners on formal restructuring processes.
• Monitor and resolve underperforming CMHC mortgages.
• Provide ongoing portfolio reporting and updates to senior stakeholders.

Skills

Restructuring experience

Analytical thinking

Communication skills

Collaboration

Education

CA or CPA designation

Licensed Insolvency Trustee (LIT) designation (preferred)

Tools

Microsoft Office

Job description

KingSett Capital is seeking an Associate Director to join the Mortgages, Portfolio Management team. Reporting to the Executive Director, this role will work closely with senior stakeholders to manage and resolve a portfolio of underperforming loans, with a focus on restructuring, execution, and risk mitigation.

Location

Toronto, ON

Role Responsibilities

Review and assess mortgage loan structures in new deals.

Actively contribute to the Mortgage Credit Committee by providing informed, risk-aware perspectives on new transactions and highlighting emerging concerns.

Resolve underperforming loan files by evaluating, recommending and executing tailored workout and recovery strategies.

Partner closely with internal stakeholders to coordinate execution of restructuring strategies, ensuring alignment, accountability, and timely decision-making across all workstreams.

Coordinate with legal and other professional partners to advance files through formal legal restructuring processes.

Partner with the CMHC team to monitor and resolve underperforming CMHC mortgages.

Own ongoing portfolio reporting and provide regular performance updates to senior stakeholders.

Candidate Profile

3–5 years of relevant professional experience, ideally within restructuring, insolvency, or a related advisory environment. Experience in real estate is considered an asset.

CA or CPA designation required, with active pursuit of Licensed Insolvency Trustee (LIT) designation preferred.

Proficient in Microsoft Office (Outlook, Word, Excel, PowerPoint).

Adaptable and decisive, able to pivot quickly and perform under pressure.

Strategic, analytical thinker with collaborative mindset and ownership mentality.

Excellent communication and presentation skills across all levels.

Compensation

Base salary range of $120,000-135,000.
Total compensation includes salary, variable discretionary bonus, benefits and other perks.