Senior Analyst, Commercial Lending

Home Trust is looking for a dynamic and collaborative individual to support the growth of our commercial lending business. The Senior Analyst, Commercial Lending is responsible for assessing, evaluating and analyzing investment proposals to prepare recommendations on a wide variety of commercial mortgage transactions.

Position Responsibilities

Transaction Analysis, Review and Approvals

• Assist the Director to analyze and provide written recommendations in Term Sheet format (decision ready) on investment proposals requiring approval in accordance with HTC’s Policy and Guidelines and general investment criteria.
• Maintain and evaluate consistent, objective and sound risk assessments in a high volume, quality focused and service oriented environment.
• Transactions to include conventional mortgages, CMHC insured mortgages, construction / land development financing, syndicated transactions (participation) and structured mortgage receivable financings across multiple commercial real estate asset classes.
• Collaborate with the Underwriting team to ensure service quality and timely funding is achieved to client expectations.
• Assist in the collection and review of necessary due diligence items and the presentation of investment proposals within required timelines.
• Maintain a high level of knowledge of the industry, competition and market trends.
• Assist the Director, Commercial Lending in achieving all business objectives including new business volume, spread, and profitability targets for Large Commercial.

Pipeline and Reporting

• Assist in the management of CMHC / CMB allocation targets and limits with a goal to maximize capacity usage and revenues.
• Assist in the delivery of accurate and substantive reporting to the EVP, Commercial Lending on the commercial mortgage portfolio, pipeline, market trends, competition and cost of funds and provide ad-hoc reporting to senior management, as required.
• Assist the Director to manage the development and maintenance of the Large Commercial pipeline to facilitate workflow and to ensure timely execution of loan approvals.
• Coordinate with internal business groups including ERM, Finance, Treasury, Compliance and Securitization to assist in facilitating Commercial related items in the organization

Risk and Compliance

• File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity.
• Evaluate and analyze documentation supplied by clients and brokers to ensure its authenticity and compliance with all aspects of Home Trust Company’s policies and guidelines per delegated authority matrices and applicable compliance obligations including Commercial Underwriting Policies and Commercial Lending Guidelines, Privacy, Anti-Money Laundering / Anti-Terrorist Financing and internal Anti-Fraud Policy requirements.
• Maintain clean OSFI and Internal Audit reports as required for Commercial Originations.

Related Experience

• Background in alternative lending an asset
• In depth understanding of commercial real estate and mortgages
• 3-5 years in commercial mortgage lending / underwriting

Skills

• Excellent written / verbal communication and professional maturity
• Strong organizational, time-management and analytical skills to work effectively within established guidelines
• Proven ability to work within a collaborative team environment
• Able to multi-task and flourish in a fast-paced, deadline-driven work environment
• Strong knowledge of MS Office, especially Excel
• Understands Home Trust Company’s lending criteria and risk appetite