Join a Challenger Being a traditional bank just isn’t our thing, so we challenge ourselves to get creative in providing innovative banking solutions for Canadians. How do we get there? With a talented team of inquisitive and agile challengers that break through the status quo. So, if you’re passionate about redefining the future of banking—while having fun—this could be your next big opportunity. Our company continues to grow, and today we serve more than 800,000 customers across Canada through Equitable Bank, Canada's Challenger Bank™, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $142 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021.  THE CORE PARTS OF YOUR ROLE WOULD BE TO: * On a daily basis, the incumbent will strive to provide superior customer service by way of managing complex commercial mortgage facilities. Critical success factors include completion of renewals, refinances, assumptions, annual reviews and ad-hoc requests quickly, efficiently, and accurately, often with limited and/or incomplete information.  The incumbent must be able to manage multiple competing priorities in order to achieve aggressive timelines (30%)    * On a daily basis, the incumbent is responsible for ensuring that credit risk associated with their portfolio of mortgages is controlled and within approved guidelines.  Credit documentation shall be thoroughly assessed in accordance with established policies and underwriting procedures, with recommendations submitted in compliance with the Bank’s delegated authority limits (30%) * On a daily basis, the incumbent will leverage extensive industry knowledge and expertise in order to provide significant levels of support and guidance to junior members of the team. (20%)  * On a daily basis, the incumbent will communicate with internal contacts (management, originations, funders, coordinators, etc.) to ensure all transactions and ad-hoc requests are meeting prescribed deadlines in a timely and efficient manner (10%). * On a weekly, monthly, and/or quarterly basis, the incumbent will be responsible for the preparation of specific reports on assigned categories required for the department/Company which will be relied upon by Senior Management (10%). * On a daily basis, the incumbent will be responsible for contributing to special projects as assigned from time to time (10%).  LET'S TALK ABOUT YOU! * Post-secondary education (diploma/degree) preferably in business or finance * Bilingualism (French/English) is considered an asset * Proficient underwriting skills with a minimum 7-10 years’ commercial mortgage experience * Sound technical knowledge of commercial real estate underwriting, financial statement analysis and factors affecting the commercial mortgage market * Significant exposure to/experience with construction and syndicated lending across all asset types  * Working knowledge of AML/ATF regulations and Corporate/Legal documentation for commercial real estate in multiple jurisdictions across Canada * Good working knowledge of MS Office (primarily Word and Excel) * Effective analytical and problem solving skills * Strong organizational and time management skills * Ability to handle multiple competing priorities * Strong negotiation skills * Demonstrated ability to work independently to achieve goals * Proven track record of mentorship/employee development * Highly developed verbal and written communication skills with the ability to communicate to Senior Management and Partners in a clear, concise and professional manner  JOB COMPLEXITIES/THINKING CHALLENGES The position requires an individual to manage complex construction, renovation, and portfolio loans.  The individual should be client-focused, a self-starter, with the ability to make sound underwriting decisions as efficiently as possible.  The incumbent shall possess strong cognitive skills and professional judgement upon which they can rely in the ongoing management of their files.  The incumbent must also have the ability to work independently with minimal supervision to properly identify and mitigate risks associated with individual transactions while balancing the needs of the client.  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.  Existing accounts are unique in nature and fulsome information is not always available.  As such, the incumbent must be comfortable making recommendations based on incomplete information.  The incumbent must also be willing and able to invest time in mentoring junior employees, providing advice and knowledge, when needed.  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    Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well.  We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position.   We can’t wait to get to know you!