Bilingual Commercial Underwriting Manager, BES

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  50% on a daily basis, the incumbent will analyze and underwrite commercial credit facilities together with additional credit related and administrative duties, for conventional commercial mortgage product types. Attention must be made to ensure that compliance with the company’s established lending guidelines and procedures are followed with recommendations submitted for approval to management.  The incumbent is responsible to ensure all lending criteria have been satisfied on deals underwritten and outstanding documentation/conditions, if any, are being met in a timely manner.  

  
  

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  30% on a daily basis, the incumbent will communicate with internal contacts (funders, managers, administrators, and commercial sales staff) as well as external contacts (lending partners, mortgage brokers, Clients, solicitors, appraisers and consultants) to ensure transactions are processed in a timely and efficient manner in order to deliver superior customer service and funding deadlines.  Site inspections of properties or drive-by inspections may be required, on a deal-to-deal basis. 

  
  

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  15% on a daily basis, the incumbent is responsible for pipeline review and time management of their deal flow in order to meet prescribed deadlines.  

  
  

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  5% on a monthly basis, the incumbent will be responsible for various administration and reporting duties required for the department/Company, which will be relied upon by Senior Management. 

  
  

• Le bilinguisme (français et anglais) est requis


• Solides compétences en souscription, avec un minimum de 2 ans d’expérience en prêts hypothécaires commerciaux et/ou en souscription résidentielle 


• Expérience démontrée en prestation d’un excellent service dans son domaine 


• Formation postsecondaire (diplôme ou baccalauréat), idéalement en administration des affaires ou en finance 
  


• Bonne maîtrise des outils Microsoft Office, principalement Word et Excel 


• Excellentes capacités d’analyse et de résolution de problèmes 


• Bon sens des affaires combiné à une connaissance technique des prêts garantis et des facteurs influençant le marché hypothécaire commercial 
  


• Excellentes aptitudes en organisation et en gestion du temps 
  


• Capacité à gérer plusieurs priorités simultanément tout en maintenant un haut niveau de service à la clientèle 
  


• Excellentes compétences en communication, tant à l’oral qu’à l’écrit 
  


• Disponible et motivé(e) à participer à des événements liés aux courtiers, au besoin (parfois en dehors des heures de travail) 
  


• Accès à un véhicule pour effectuer des visites ou inspections de propriétés 

Knowledge/Skill Requirements: 

Job Complexities 

The position requires the incumbent to be a self-starter and make sound underwriting decisions as efficiently as possible. Commercial mortgage applications can be complex in nature, requiring creative and innovative thinking and proactive problem solving.  The incumbent is required to follow corporate policies, procedures and regulatory requirements in order to work through files and rationalize the recommendations or decisions made.  In some cases, viability is assessed with limited access to information or documentation. 

Accountability 

The incumbent will operate under direct management from the Manager, Commercial Credit; however, you will also work closely with all members of the Commercial Mortgage Team. The accountability of the incumbent falls mainly within the parameters of their daily duties, managing their own deal flow as assigned by management (from assignment stage to post funding). The overall success of the department relies on the level of efficiency and service provided by the incumbent.  

Key Internal and External Contacts 

The incumbent will communicate daily with management, staff within the department and company, as well as external contacts (clients, mortgage brokers, Lending Partners, etc.). 

Physical Demands / Working Conditions 

Normal office environment with no physical demands; however there is substantial pressure, at times, placed on the incumbent due to the time sensitivity of each transaction and the level of volume faced daily. Hybrid work is expected with 1-5 days in person depending on the level and seniority of the role.