Commercial mortgage credit analyst supporting underwriting, risk assessment, and portfolio oversight for Manulife’s investment management business. Preparing credit recommendations and governance materials across Canada and the U.S.
Responsibilities
Support credit review and underwriting of commercial mortgage loan opportunities across property types and geographies
Prepare credit memos, deal summaries, and risk assessments with increasing independence
Perform financial analysis, including cash flow modelling, sensitivity analysis, and scenario testing
Assess borrower strength, property performance, and market dynamics to identify risks and mitigants
Review third-party reports and due diligence materials and incorporate findings into credit recommendations
Monitor existing loans through annual reviews, risk rating updates, and trend analysis
Identify emerging credit risks and contribute to proactive oversight of assigned exposures
Ensure accuracy, completeness, and integrity of credit data and internal reporting
Synthesize quantitative and qualitative information to support credit recommendations
Support and take ownership of materials for Credit Committees and senior management
Monitor real estate markets, economic conditions, and sector trends across regions
Maintain complete, organized, and audit-ready credit files
Support adherence to credit policies, procedures, and governance requirements
Partner with internal control functions and support internal and external audit requests
Collaborate with origination, portfolio management, and global credit risk teams across Canada and the U.S.
Build relationships with internal and external stakeholders
Communicate analysis and recommendations clearly and professionally
Contribute to presentations, credit and governance forums, recurring reporting, and ad hoc reporting
Requirements
2–5 years of relevant experience in commercial real estate, lending, credit analysis, or financial analysis
Bachelor’s degree in finance, Business, Economics, Real Estate, or a related field
Experience with lender-side underwriting or credit analysis within a financial institution is preferred
Strong financial modelling and analytical capabilities, including advanced Excel
Solid understanding of commercial real estate fundamentals, including NOI, cap rates, DSCR, and LTV
Strong attention to detail with a focus on accuracy and data integrity
Ability to organize, analyze, and present credit information clearly and effectively
Strong analytical thinking, problem-solving, and sound judgment
Excellent written and verbal communication and presentation skills
Ability to manage multiple priorities in a fast-paced, time-sensitive environment
Demonstrated accountability and ownership of work
Ability to collaborate effectively across teams and interact with stakeholders at all levels, including senior management and audit partners
Commitment to Manulife’s values: integrity, collaboration, excellence, and accountability
Bilinguisme un atout (français et anglais) - Le candidat retenu devra communiquer en anglais et en français afin de servir les clients de diverses provinces autre que le Québec.
Experience with data and reporting tools such as Power BI is an asset
Exposure to credit risk assessment practices, including risk rating methodologies and credit monitoring, is preferred
Experience supporting reporting and analysis for internal stakeholders is an asset
Benefits
Flexible environment supporting learning, growth, well-being, and inclusion
Health insurance
Dental insurance
Mental health benefits
Vision insurance
Short- and long-term disability insurance
Life and AD&D insurance
Adoption/surrogacy benefits
Wellness benefits
Employee/family assistance plans
Retirement savings plans
Pension
Global share ownership plan with employer matching contributions
Financial education and counseling resources
Paid holidays, vacation, personal, and sick days
Statutory leaves of absence
Incentive programs and incentive compensation tied to business and individual performance
Disability case manager guiding Canadian plan members through illness, injury, and recovery at Manulife. Assessing claims and coordinating return - to - work outcomes with clients, employers, and healthcare providers.
M&A Analyst/Associate executing Calgary transactions, financial models and valuations for EY’s professional services business. Supporting due diligence, client advice and business development.
Analyste Guidewire ClaimCenter Cloud analysant les besoins et spécifiant des solutions pour l’assurance de dommages. Collaboration avec les équipes techniques et d’affaires en mode hybride au Québec.
Bilingual Disability Calculation Analyst calculating disability offsets and recoveries for Manulife, an international financial services provider. Supporting plan members with overpayments and repayment plans.
Public Sector Delivery Analyst coordinating sovereign AI deployments for the Government of Canada at Cohere. Managing client sessions, delivery cadence, documentation, and cross - team dependencies.
Data Valorization Analyst at Desjardins, a financial services cooperative. Analyzing and applying business insight to data - related work in a hybrid Montréal/Lévis position.
Part - time NOC Analyst monitoring and troubleshooting networks and systems for VC3. Supporting managed services and cybersecurity operations through alerts, configurations, documentation, and incident response.
Senior HRMS Analyst managing Workday HR systems for Keyera’s energy operations. Leading functional support, configuration, projects, releases and HR process improvements.