Regional Director, Commercial Originations, Commercial Finance Group (CFG)

Equitable Bank; Toronto; On-site; CAD 80,000 - 100,000; Full time

Job summary

A prominent financial institution in Toronto seeks a professional to analyze and structure commercial credit opportunities. You will engage with senior management, coordinate marketing initiatives, and manage multiple transactions. Ideal candidates have over 6 years of commercial mortgage experience and strong analytical skills. Join this dynamic team in a hybrid work environment, offering competitive benefits and professional development opportunities.

Benefits

Competitive discretionary bonus

Market leading RRSP match program

Medical, dental, vision, life, and disability benefits

Employee Share Purchase Plan

Maternity / Parental top-up

Generous vacation policy and personal days

Annual professional development allowance

Qualifications

• 6+ years of commercial mortgage experience as an analyst, account manager, or underwriter.
• Experience with institutional construction lending.
• Solid understanding of financial statements and financial ratio analysis.
• Knowledge of AML / ATF regulations and legal documentation.

Responsibilities

• Analyze and structure commercial credit opportunities for presentation to senior management.
• Communicate and meet with external contacts to procure new commercial transactions.
• Manage deal flow to meet deadlines with the underwriting team.
• Travel for site inspections or presentations.

Skills

Analytical skills

Credit skills

Negotiation skills

Customer service

Time management

Presentation skills

Problem solving

Education

Post-secondary education in business or finance

Tools

MS Office

Job description

The core parts of your role would be to :

• Analyze, structure commercial credit opportunities for all conventional commercial mortgage product classes for presentation to senior management (which shall include the VP & MD, Origination CFG, VP, Commercial Credit, Senior VP, Commercial, VP, Credit Risk, SVP, CRO and President / CEO). Attention must be made to ensure transactions are within the company’s established lending guidelines, ROE requirements and procedures. The incumbent will communicate daily with the Origination, Credit, Funding teams, with management, staff within the department and company as well as external contacts (partners, brokers, clients, appraisers, etc.).
• Communicate and meet with external contacts to procure new commercial transactions and attend all industry related events to promote EQB commercial mortgage program. As well, will be responsible for coordinating marketing initiatives, and identifying new loan opportunities in conjunction with the origination team.
• Responsible for time management of their deal flow in order to meet prescribed deadlines with the underwriting team.
• Travel for site inspections or presentations.

Let's Talk About You!

• Post-secondary education (diploma / degree) preferably in business or finance is required. Specialization in Real Estate (e.g. Urban Land Economics, Real Property Valuation / Assessment) a definite asset
• Proficient credit skills with a minimum of 6 years commercial mortgage experience as an analyst, account manager or underwriter
• Experience with institutional construction lending
• Sound knowledge of secured lending and factors affecting the commercial mortgage market both regulatory and macro-economic level
• Excellent working knowledge of MS Office (primarily Word, Excel and PowerPoint)
• Effective analytical and problem solving skills
• Solid understanding of financial statements and financial ratio analysis
• Working knowledge of AML / ATF regulations and Corporate / Legal documentation (both direct and partner originated transactions) for commercial real estate in multiple jurisdictions across Canada
• Strong organization and time management skills with the ability to handle multiple competing priorities
• Good time management skills
• Strong negotiation, sales ability and presentation skills
• Demonstrated ability to work independently albeit in a team environment
• Highly developed verbal and written communication skills with the ability to respond in a clear, concise and professional manner. In addition, the ability to understand how to secure new business
• Strong customer service focus, industry knowledge and a team player
• Bilingualism is an asset

Job Complexities / Thinking Challenges

• The position requires an individual to be a mature self-starter, use sound judgement and possess a solid commercial credit background. Commercial mortgage applications can be complex in nature, requiring creative and innovative thinking and proactive problem solving. The incumbent is required to follow corporate policies, procedures and regulatory requirements in order to work through files and rationalize the recommendations with the ability to provide optimal customer service with a strong aptitude to balance credit and sales functions. Past work experience will help develop likely solutions to conclude loan transactions. Transactions may be presented from multiple external partners, each partner having unique complexities. As such, the incumbent must be able to draw on specific product / document knowledge to assess suitability.

#LI-Hybrid What we offer [For full-time permanent roles] 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 your little one Generous vacation policy and personal days Virtual events to connect with your fellow colleagues Annual professional development allowance and a comprehensive Career Development program A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experienceThe incumbent will be working hybrid and in office time will be spent working from Equitable Bank’s additional office space located at 2200-25 Ontario Street, Toronto, ON .