Senior Commercial Credit Analyst

MCAP Group of Companies; Toronto; On-site; CAD 80,000 - 110,000; Full time

Job summary

Ein etabliertes Unternehmen in der Hypothekenfinanzierung sucht einen erfahrenen Senior Commercial Credit Analysten, der sich in einem dynamischen Umfeld wohlfühlt. In dieser spannenden Rolle sind Sie für die Strukturierung und Genehmigung von komplexen gewerblichen Krediten zuständig, wobei Sie Ihre Expertise in der Analyse von Finanz- und Marktberichten nutzen. Sie arbeiten eng mit einem engagierten Team zusammen, um sicherzustellen, dass alle Fristen eingehalten werden und die Kundenbedürfnisse erfüllt werden. Wenn Sie eine Leidenschaft für den Finanzsektor haben und in einem führenden Unternehmen arbeiten möchten, ist dies die perfekte Gelegenheit für Sie.

Qualifications

• Mindestens sieben Jahre relevante Erfahrung in der Kreditvergabe.
• Erfahrung in der Analyse von Finanz- und Marktberichten.

Responsibilities

• Strukturierung und Genehmigung komplexer Kredite zwischen 20MM und 150MM CAD.
• Überprüfung von Finanzdokumenten und Marktanalysen zur Risikominderung.
• Koordination von Darlehensverkäufen und Einhaltung von Fristen.

Skills

Unterwriting von gewerblichen Immobilien

Finanzanalyse

Marktbedingungen verstehen

Kommunikationsfähigkeiten

Multitasking-Fähigkeiten

Education

Bachelor-Abschluss in Betriebswirtschaft oder Handel

Job description

Senior Commercial Credit Analyst

MCAP at a Glance

Joining MCAP means you will be part of our diverse workforce of talented individuals recognized for their expertise and success. At MCAP, your professional skills, commitment to teamwork, and passion for service excellence are valued and rewarded with competitive benefits, ongoing learning opportunities, and a dynamic entrepreneurial environment.

The Role

MCAP seeks an experienced, energetic underwriting specialist to join its growing Commercial Mortgage Group. The candidate should have extensive experience in underwriting commercial real estate, especially CMHC insured term and construction loans, and a solid understanding of lending practices with a creative approach to risk mitigation. The role requires timely work completion to provide high client service and meet volume targets. Responsibilities include working with the Associate Director to allocate loans based on eligibility criteria and coordinating loan sales. This position suits someone who thrives in a fast-paced environment, with attention to detail, multitasking ability, and deadline management.

Primarily, this role involves structuring, underwriting, and assessing complex CMHC and conventional loans, typically ranging from $20MM to $75MM, possibly up to $150MM. Duties include analyzing income statements, market assessments, reviewing borrower and guarantor financials, preparing applications and loan summaries, and approving loans within delegated authority. The role also involves loan sale coordination and working on the Canada Mortgage Bond program.

Key Responsibilities

• Obtain and review relevant property and financial documents for in-depth analysis.
• Review third-party reports such as appraisals and environmental assessments, discussing any issues.
• Analyze property and borrower financials to determine financing levels based on policy thresholds.
• Assess market reports for value and performance indicators.
• Evaluate the financial and management capacity of borrowers and guarantors.
• Review construction budgets and developer experience for construction loans.
• Assess exit scenarios and prepare comprehensive loan summaries and applications.
• Prepare commitment letters and negotiate terms.
• Coordinate loan funding, rate setting, and investor sales, ensuring timelines are met.
• Maintain market data records and support relationship building with clients and professionals.
• Support team development and process improvements.

Qualifications

• Experience in underwriting commercial real estate, including CMHC insured loans.
• Knowledge of market conditions, property valuation, and financial statement analysis.
• Strong communication, organizational, and multitasking skills.
• Bachelor’s degree in business or commerce, with at least seven years of relevant experience.

If you are interested in joining one of Canada’s leading independent mortgage companies, we want to hear from you!

Be A Part Of Something Great

MCAP is Canada’s largest independent mortgage finance company, managing over $150 billion in assets, with a history spanning over 35 years. We specialize in residential and commercial mortgages, emphasizing professional broker channels and construction lending. Our dedicated team serves clients across Canada.

Position #: req2028

Employment Status: Permanent Full Time

Location: Toronto, Ontario

Number Of Openings: 1

Department: Commercial Mortgage

Internal Job Title: Senior Commercial Credit Analyst

This description outlines the general nature of the work. It is not exhaustive of all duties, responsibilities, or qualifications.

MCAP is committed to diversity and inclusion, providing equal opportunities and accommodations during the recruitment process.