Bilingual Senior Account Manager, Portfolio Management

EQ Bank; Toronto; On-site; CAD 90,000 - 120,000; Full time

Benefits offered by this job

Competitive discretionary bonus

Market-leading RRSP match program

Medical, dental, vision, life, and disability benefits

Employee Share Purchase Plan

Generous vacation policy and personal days

Professional development opportunities

Job summary

EQ Bank is seeking a Senior Commercial Account Manager in Toronto to manage complex commercial mortgage portfolios, ensuring superior customer service and compliance with corporate standards.

Key responsibilities include handling loan renewals, collaborating with team members, and providing mentorship. The ideal candidate will have strong technical knowledge in underwriting and significant experience in commercial lending.

Join a leading FinTech and enjoy competitive benefits, a generous vacation policy, and a commitment to professional development.

Qualifications

• 7–10 years of commercial mortgage experience.
• Strong technical knowledge of commercial real estate underwriting.
• Bilingualism (French/English) is an asset.

Responsibilities

• Manage complex commercial mortgage facilities efficiently.
• Control credit risk and ensure compliance.
• Prepare regular reports required by management.

Skills

Client-focused approach

Underwriting skills

Analytical skills

Negotiation skills

Organizational skills

Education

Post-secondary education (diploma/degree) in business or finance

Tools

MS Office (Word, Excel)

Job description

The Work

As part of a growing and dynamic Commercial Portfolio Management team, the Senior Commercial Account Manager is responsible for the day‑to‑day management of an assigned group of lending partners and the associated portfolio of mortgages, from funding through maturity. The portfolio includes complex construction, renovation, and portfolio mortgages secured by all asset classes, ranging in size from $5.0 million to $50.0 million, with participation in syndicated transactions of $150.0 million or more expected. The role requires delivering superior customer service by managing underwriting renewals, assumptions, refinances, loan modifications, and other requests to meet annual retention targets while adhering to established policies, underwriting standards, and compliance controls.

The Core Parts Of Your Role Would Be To

• Provide superior customer service by managing complex commercial mortgage facilities, completing renewals, refinances, assumptions, annual reviews, and ad‑hoc requests quickly, efficiently, and accurately.
• Control credit risk associated with the portfolio of mortgages and ensure compliance with approved guidelines and delegated authority limits.
• Leverage industry expertise to provide significant support and guidance to junior team members.
• Maintain communication with internal contacts (management, originations, funders, coordinators, etc.) to ensure transactions and requests meet prescribed deadlines.
• Prepare weekly, monthly, and/or quarterly reports on assigned categories required by the department and company, which are relied upon by Senior Management.
• Contribute to special projects as assigned from time to time.

Job Complexities/Thinking Challenges

The position requires managing complex construction, renovation, and portfolio loans. The incumbent must be client‑focused, a self‑starter, capable of making sound underwriting decisions efficiently, and possess strong cognitive skills and professional judgment. Work independently with minimal supervision to identify and mitigate risks associated with individual transactions while balancing client needs. Follow corporate policies, procedures, and regulatory requirements to rationalize recommendations. Handle incomplete information and invest time in mentoring junior employees.

Let's Talk About You!

• Post‑secondary education (diploma/degree) preferably in business or finance.
• Bilingualism (French/English) is considered an asset.
• Proficient underwriting skills with 7–10 years of commercial mortgage experience.
• Sound technical knowledge of commercial real‑estate underwriting, financial statement analysis, and market factors.
• Significant experience with construction and syndicated lending across all asset types.
• Working knowledge of AML/ATF regulations and corporate/legal documentation for commercial real‑estate in multiple jurisdictions across Canada.
• Good working knowledge of MS Office, primarily Word and Excel.
• Effective analytical and problem‑solving skills.
• Strong organizational and time‑management skills.
• Ability to handle multiple competing priorities.
• Strong negotiation skills.
• Demonstrated ability to work independently to achieve goals.
• Proven track record of mentorship and employee development.
• Highly developed verbal and written communication skills to communicate with Senior Management and Partners in a clear, concise and professional manner.

What we offer

• Competitive discretionary bonus.
• Market‑leading RRSP match program.
• Medical, dental, vision, life, and disability benefits.
• Employee Share Purchase Plan.
• Maternity/Parental top‑up while you care for a child.
• Generous vacation policy and personal days.
• Virtual events to connect with colleagues.
• Professional development and comprehensive career development program.
• A fulfilling opportunity to join a top FinTech and help create a new kind of banking experience.

Equitable Bank is deeply committed to inclusion. Our organization is stronger when we honour and celebrate everyone’s diverse experiences and perspectives. We support and encourage staff to grow in their careers and personally.

We commit to a barrier‑free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so you can bring your best self to the application process and beyond. All candidates considered for hire must pass a criminal background check and credit check to qualify for hire.