Join a Challenger At EQ, we're remaking banking so every Canadian gets ahead, every day. Serving nearly 4 million Canadians from coast to coast, we offer a wide variety of financial services from banking and lending, to trust and credit union solutions.  We've been at this since 1970, challenging the conventions of traditional banking with smarter, faster, and more connected financial experiences. What's kept us moving?  The people behind it all: challengers who ask better questions, push back on old assumptions, and look for a better way forward. If you're driven to help reshape how banking works for Canadians and the businesses that power our economy, this could be your next big opportunity. We can’t wait to get to know you!  We can’t wait to get to know you!  The Work As part of a growing and dynamic Commercial team, the Associate, Special Loans and Restructuring will assist the Special Loans team with the management and oversight of the Commercial portfolio of delinquent and problem accounts, which are comprised of all Commercial lending products.  The Associate, Special Loans and Restructuring will provide direct support to Associate Director, Special Loans on the day-to-day portfolio management and reporting requirements of the team.  This may include by performing a variety of functions associated with default management such as preparing/reviewing reports, attending/assisting at meetings, portfolio management/monitoring, projects and initiatives and other administrative duties, which may include assisting with ad hoc requests by Senior Management amongst other things.  The Associate, Special Loans and Restructuring is also responsible for maintaining and actioning the loan collections process and other related breaches by borrowers on assigned loans.  Duties include contacting direct clients, internal teams and/or Partners regarding arrears, maturing mortgages, past due taxes, and other non-compliance matters.  The incumbent will assist Senior/Account Managers with the day-to-day management of their respective portfolios. Additional credit-related and administrative duties are required to support execution of planned strategies or related portfolio management requirements, ad hoc requests/reporting and pipeline management, as well as networking with external business partners, along with various staff, within the Commercial department and other internal departments.  The incumbent will be working closely with all departments within the Bank (given nature of Special Loans transactions) including Commercial underwriting, originations, funders/administrators, Mortgage Services, Accounting/Finance, legal and other internal departments.  THE CORE RESPONSIBILITITES! * Daily, the incumbent will support the Special Loans Management team with the ongoing management of active loans.  Specifically, time will be spent on the review and analysis of loan data and preparation of reporting requirements (40%). * Prepare and support review of critical reports in a timely and accurate manner for Senior Management, may include but not limited to:  * Support review of monthly provision, delinquency and arrears reports. * Support preparation of quarterly problem loan reports. * Support review and completion of bi-weekly Watchcall reports/minutes. * Any ad hoc report as required. * On a daily basis, the incumbent supports the Commercial delinquency processes and will be in contact with direct clients or Partners regarding the delinquent loans.  The incumbent will be required to perform due diligence before recommending any arrangements to potentially cure delinquency, and execute plan is approved (arrears or other breaches under the mortgage contract, as applicable).  The incumbent may be required to obtain and scrutinize any required supporting documentation and submit appropriate credit submission(s) for any risk rating changes based on outcomes. All actions are required to be updated in the applicable system(s) utilized for this process, as needed (25%).  * On a daily basis, the incumbent will support Account Managers and/or Sr. Account Managers with the execution and management of the problem loans portfolio. This may include timely and efficient collection of documents for credit submission, review due diligence items, support any legal action required, RAISE system data input, posting transactions, preliminary/basic analysis (financials, personal net worth statements, leases, market research, ESA/BCA reports etc.) and assist in any ad hoc tasks. The incumbent must be able to manage multiple competing priorities in order to achieve aggressive timelines. (25%).  * On a daily basis, the incumbent will support and assist on any departmental projects and/or deliverables as set by management.  Projects and assignments will vary in size and scope and may include, but not be limited to, development of new reports, analysis, system and process testing, completion of various functional audits, and monitoring and maintenance of procedural/compliance activity requirements, pipeline development or related matters that will be relied upon by management (10%).  LET'S TALK ABOUT YOU! * Bachelors’ degree or equivalent work experience required. * 3+ years’ experience working in commercial banking or commercial mortgage lending. * Understanding of mortgage enforcement remedies across Canada would be an asset. * Strong attention to details. * Strong time management, analytical and problem-solving skills. * Established organizational skills and ability to handle multiple competing priorities. * Self-starter with the ability to work independently or as team. * Highly developed verbal and written communication skills with the ability to respond in a clear, concise and professional manner. * Developed and effective negotiation skills, both oral and written. * Developed business sense with sound knowledge of secured lending and factors affecting the commercial mortgage market. * Proficient user of all Microsoft tools. * Knowledge of servicing procedures.             What we offer [For full-time permanent roles]   💰 Competitive discretionary bonus  ✨ Market leading RRSP match program 🩺  Medical, dental, vision, life, and disability benefits 📝  Employee Share Purchase Plan 👶🏽 Maternity/Parental top-up while you care for your little one 🏝 Generous vacation policy and personal days 🖥  Virtual events to connect with your fellow colleagues 🎓  Professional development and comprehensive Career Development program 💛  A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience   Equity, Diversity & Inclusion EQ is committed to building an inclusive, accessible environment where every employee feels valued, respected, and supported. We believe our organization is stronger — and our people thrive — when we honour and celebrate diverse experiences, identities, and perspectives. We’re equally committed to supporting your growth, both professionally and personally. We provide a barrier‑free recruitment process and work environment. If you require accommodations at any stage, we will work with you to ensure you can bring your best self to the process and beyond. As part of our recruitment process, EQ uses AI to help screen, assess, and/or select applicants for this position. All AI-enabled outputs are reviewed and validated by our talent team. All candidates considered for hire must successfully complete a criminal background check and credit check. While we appreciate every application, an EQ recruiter will contact only those whose skills and experience most closely match the requirements of the role. EQB Inc. (TSX: EQB) is the parent company of Equitable Bank, the country's seventh-largest Schedule I bank by assets, which operates EQ Bank, Canada's Challenger Bank™. EQB Inc. serves nearly 4 million Canadians and manages approximately $150 billion in combined assets under management and administration.  To learn more, visit eqb.investorroom.com and eqbank.ca.