Credit risk specialist analyzing and managing commercial mortgage exposures at Manulife, an international financial services provider. Supporting underwriting, workouts, portfolio monitoring, and senior credit decisions.
Responsibilities
Oversee below-investment-grade loan exposures across GA and MBC portfolios
Prepare Deal Overview summaries and proactively manage assigned files
Collaborate with regional offices to finalize risk ratings and identify, monitor, and manage problem loans
Conduct credit analysis and underwriting of real estate mortgage transactions
Maintain evidence supporting credit review and approval decisions
Participate in loan workout and resolution discussions
Evaluate and negotiate workout strategies
Assess and recommend expected credit losses and provisioning adjustments
Coordinate required Senior Management approvals
Maintain comprehensive loan documentation and records related to workout and resolution of BIG loans
Support analysis and documentation of post-closing matters
Review new mortgage investment opportunities for MBC and provide credit risk analysis and adjudication
Manage MBC loan maturities and discharges with MSA and Specialized Lending teams
Prepare and review materials for GA Quarterly Loan Review Committee and MBC Credit Committee meetings
Compile and analyze real estate market research, statistics, and data across Canada and the United States
Report directly to the Director, Mortgage Special Assets
Requirements
3+ years of commercial mortgage lending or related experience
Bachelor’s degree, preferably in Finance, Business, Economics, or a related discipline
Proficiency with Microsoft Applications (Excel, Word, Outlook)
Strong portfolio management skills and reporting capabilities
Excellent time management and organizational skills
Ability to multitask, manage competing priorities, and respond effectively to urgent and time-sensitive requests
Ability to interact effectively and professionally with Senior Management, front and back offices, and external stakeholders
Excellent oral and written communication and presentation skills
Experience working effectively with internal and external audit, representing the Business Unit
Ability to thoroughly review qualitative and quantitative analysis for a broad business audience
Excellent analytical, problem-solving, and decision-making skills
Experience with credit risk analysis and recommendations regarding risk ratings, accrual status, charge-downs, and charge-offs is an asset
Exposure to automated reporting, such as PowerBI, is an asset
Benefits
Incentive programs and incentive compensation tied to business and individual performance
Flexible work environment
Health insurance
Dental insurance
Mental health benefits
Vision insurance
Short- and long-term disability insurance
Life and AD&D insurance coverage
Adoption/surrogacy benefits
Wellness benefits
Employee/family assistance plans
Retirement savings plans, including pension and global share ownership plan with employer matching contributions
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