Commercial Sales Analyst
$70,000–$70,000 year
HybridToronto, Ontario, Canada or Calgary, Alberta, Canada
Job Summary
Manage the end-to-end renewal process for commercial mortgage loans, ensuring all milestones and deadlines are met. Negotiate renewal pricing, terms, and conditions with borrowers and brokers while balancing client needs and risk considerations. Prepare detailed loan summaries, credit packages, and commitment letters, including financial analysis, cash flow assessments, and DSCR calculations. Assess borrower, guarantor, and property performance by analyzing financial statements, operating statements, and rent rolls to support credit decisions. Coordinate with Treasury, internal stakeholders, and external brokers on rate locks, loan execution, and fee payments. Liaise with Mortgage Administration, head office teams, and Peoples Group solicitors to ensure timely execution and compliance with AML requirements. Participate in ongoing portfolio monitoring activities, including annual reviews and covenant tracking.
Required Qualifications
- 3–5 years of experience in commercial banking, commercial lending, or loan underwriting
- Experience in commercial lending or commercial real estate
- Bachelor's degree in finance, Business Administration, or a related field
- Strong financial analysis and credit risk assessment abilities
- Strong proficiency in Microsoft Excel, including financial modeling and reporting
- Experience analyzing borrower and guarantor financial statements, property operating statements, and rent rolls
- Familiarity with banking regulations, loan documentation, and compliance requirements
- Excellent communication and client relationship management skills
- Bilingual (English and French)
- Must be able to relocate and reside in a location within a commutable distance of Toronto, Vancouver, or Calgary
Desired Qualifications
- Professional designation (CFA, CPA, CA)
- Knowledge of CMHC-insured lending programs and requirements
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