Commercial Relationship Manager

League Savings and Mortgage; Halifax; Hybrid; CAD 91,000 - 108,000; Full time

Job summary

A financial services institution in Halifax seeks a Relationship Manager focusing on commercial real estate. Responsibilities include developing client relationships, conducting due diligence on loan applications, and managing funding processes. Candidates should have a Bachelor’s in Finance and 5+ years of commercial lending experience, along with strong communication and negotiation skills. The role offers a hybrid work environment and a competitive salary range of CAD 91,220 - 107,318.

Benefits

Flexible working arrangements

Work-from-home options

Personal days

Qualifications

• Minimum of 5 years of commercial lending experience.
• Ability to analyze and write complex proposals.
• Working knowledge of the commercial mortgage process.

Responsibilities

• Develop and maintain a network of relationships with stakeholders.
• Conduct due diligence and analysis of loan applications.
• Assist in managing loan fundings and securitization.

Skills

Strong oral and written communication skills

Strong interpersonal skills

Business development skills

Negotiation skills

Sound lending judgment

Education

Bachelor’s Degree in Finance or related

Tools

Microsoft Office

Job description

Overview

Discover the opportunity to join League Savings & Mortgage (LSM) as a Relationship Manager focusing on commercial real estate and new business development. This role involves developing a robust network of direct clients and referral sources, negotiating terms, and overseeing applications to ensure compliance with the company’s risk tolerance and lending policies.

Who WE Are: League Savings & Mortgage (LSM) is a credit union owned company and a federally regulated financial institution based in Nova Scotia. We deliver quality results and offer a collaborative, community-focused work environment. Employee wellbeing is a priority with flexible working arrangements, including work-from-home options, personal days, and accommodating schedules to balance commitments. We strive to create an environment where all team members have opportunities for growth and feel welcome, valued, supported and connected.

This job starts in January 2026 and offers a hybrid work environment. The position requires occasional travel within Atlantic Canada, occasional overnight travel, and occasional evening and weekend work.

What you’ll do

1. Responsibilities
   • Actively contribute to the business development activities of Atlantic Central & LSM by developing and maintaining a network of relationships with AC and LSM partners, borrowers, and other stakeholders, including direct credit union and other referral sources (e.g. brokers, accountants, etc.).
   • Research the market to determine active property developers/investors.
   • Conduct cold calls and online networking to discuss potential funding opportunities.
   • Attend industry events.
2. • Conduct appropriate due diligence and analyses to determine the strength of complex loan applications:
   • Interview applicants, mortgage brokers, or clients to identify financial needs; negotiate terms and conditions (rates, security, fees, etc.); structure a proposal and develop a Term Sheet for submission to the applicant.
   • Analyze financial statements, cash flow, business performance, history, profitability, and personal net worth of shareholders.
   • Research borrower and industry trends; assess security to determine acceptability.
   • Prepare detailed credit applications ensuring compliance with risk tolerance and lending policies for presentation to credit authority.
   • Complete CMHC Certificate of Insurance applications.
   • Prepare commitment letters for internal approval and for borrower acceptance; coordinate funding with the commercial lending administration team as per credit authorization.
3. Conduct detailed analysis of potential Canada Mortgage Bond (CMB) transactions and prepare credit submissions for Executive Committee recommendations.
4. Participate on the company’s credit committees, adjudicating new applications for AC, LSM, and regional credit union applications.
5. Stay current with market information and real estate trends to identify business development opportunities and inform new applications and existing loan portfolios.
6. Assist the LSM Treasury Department in managing loan fundings and securitization, including maintaining loan advance cash flow projections and coordinating advances to ensure sufficient capital.
7. Design, develop, and co-facilitate information and training sessions aligned with department and company goals, and provide guidance on LSM products and services.

What you’ll need

Qualifications

• You have successfully completed a Bachelor’s Degree with emphasis in Finance or a related discipline, plus a minimum of 5 years of commercial lending experience, or an equivalent combination of training and experience.
• Strong oral and written communication skills
• Strong interpersonal skills
• Proficiency in Microsoft Office (Word, Excel, Outlook)
• Ability to perform mathematical calculations including interest, ratios, percentages, etc.
• Ability to read and analyze financial statements, including profitability, cash flow, balance sheet strength, and asset valuation as collateral
• Working knowledge of the commercial and residential mortgage process (underwriting, credit analysis, property appraisal, security, disbursement, closing, and accounting entries)
• Working knowledge of government lending programs
• Expert knowledge of CMHC criteria related to loan origination and servicing
• Ability to analyze and write complex proposals
• Working knowledge of CMHC application process and criteria for multi-residential real estate financing
• Working knowledge of commercial real estate and appraisal techniques for financing
• Sound lending judgment
• Business development skills
• Negotiation skills
• Ability to develop and deliver educational programs using adult education principles

Core Skills

Commercial Lending, Commercial Mortgages, Credit Analysis, Financial Statements, Relationship Management

About LSM

LSM is Atlantic Canada’s credit union owned financial institution and has partnered with credit unions to provide a wide range of competitive financial products and services since 1966. We are proud to be a Certified B CorporationTM and are committed to making business decisions in the best interests of our employees, credit unions, and their members.

Check out our website or LinkedIn page for more information.

We are committed to an inclusive work environment that values diversity and respects all communities. We encourage applications from traditionally underrepresented and equity-seeking groups. All qualified applicants will receive equal consideration; however, priority will be given to Canadian citizens and permanent residents. If you require accommodation during the recruitment process, please notify us and we will work to meet your accessibility needs.

Employment Details

Employment Type: Full-Time

Experience: -

Vacancy: 1

Yearly Salary: 91,220 - 107,318