Commercial Mortgage Credit Analyst

Posted 4 hours ago

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About the role

  • 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

Job title

Job type

Full Time

Experience level

JuniorMid level

Salary

CA$65,850 - CA$109,750 per year

Degree requirement

Bachelor's Degree

Location requirements

HybridHalifaxCanada

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