Program jobs in Canada

Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, EdenPark and Fig.

Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending—we offer financial solutions tailored to all Canadians, including newcomers, small‑business owners, smart investors and savvy consumers.

Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada’s leading alternative lending bank.

The Senior Analyst, Commercial Lending is responsible for assessing, evaluating, and analyzing investment proposals to prepare recommendations on a wide variety of commercial mortgage transactions.

• Assist the Director to analyze and provide written recommendations in Term Sheet format (decision ready) on investment proposals requiring approval in accordance with HTC’s Policy and Guidelines and general investment criteria.
• Transactions to include conventional mortgages, CMHC insured mortgages, construction / land development financing, syndicated transactions (participation) and structured mortgage receivable financings across multiple commercial real estate asset classes.
• Assist in the collection and review of necessary due diligence items and the presentation of investment proposals within required timelines.
• Collaborate with the Underwriting team to ensure service quality and timely funding is achieved to client expectations.
• Maintain and evaluate consistent, objective and sound risk assessments in a high volume, quality focused and service-oriented environment.
• Assist the Director, Commercial Lending in achieving all business objectives including new business volume, spread, and profitability targets for Large Commercial.
• Maintain a high level of knowledge of the industry, competition and market trends

• Assist the Director to manage the development and maintenance of the Large Commercial pipeline to facilitate workflow and to ensure timely execution of loan approvals.
• Assist in the delivery of accurate and substantive reporting to the EVP, Commercial Lending on the commercial mortgage portfolio, pipeline, market trends, competition and cost of funds and provide ad‑hoc reporting to senior management, as required.
• Assist in the management of CMHC / CMB allocation targets and limits with a goal to maximize capacity usage and revenues.
• Coordinate with internal business groups including ERM, Finance, Treasury, Compliance and Securitization to assist in facilitating Commercial related items in the organization.

• Evaluate and analyze documentation supplied by clients and brokers to ensure its authenticity and compliance with all aspects of Home Trust Company’s policies and guidelines per delegated authority matrices and applicable compliance obligations including Commercial Underwriting Policies and Commercial Lending Guidelines, Privacy, Anti‑Money Laundering / Anti‑Terrorist Financing, and internal Anti‑Fraud Policy requirements.
• File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity.
• Maintain clean OSFI and Internal Audit reports as required for Commercial Originations

Assist in special projects or other new initiatives as needed

• University degree in business, economics, or related discipline
• Additional relevant accreditation(s)/ certification(s) or their pursuit are considered assets (e.g. MBA, CFA)
• 3-5 years in commercial mortgage lending / underwriting
• Background in alternative lending an asset
• In depth understanding of commercial real estate and mortgages
• Able to multi‑task and flourish in a fast‑paced, deadline‑driven work environment
• Proven ability to work within a collaborative team environment
• Excellent written / verbal communication and professional maturity
• Strong organizational, time‑management and analytical skills to work effectively within established guidelines
• Understands Home Trust Company’s lending criteria and risk appetite
• Strong knowledge of MS Office, especially Excel

• Award‑Winning Culture: We’re proud to be recognized as a and one of by Canada’s Top 100 Employers.
• Work‑Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.
• Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well‑being.
• Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance.
• Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue.
• Future‑Ready Savings: Group Retirement Savings Plan with up to 7% employer match.
• Exclusive Perks: Discounts from top retailers via WorkPerks, plus location‑based perks like gym memberships and Toronto Bike Share.
• On‑Site Fitness: Gym access at our London and Montreal offices.
• Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.
• Family Support: Parental leave top‑up program to help you during life’s big moments.
• Community Impact: One paid volunteer day to give back to causes that matter to you.

If what you read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for first stages of the interview process.