Senior Mortgage Officer

Reporting to the Assistant Vice President and Regional Director, the Senior Mortgage Officer is responsible for assisting the Montreal Mortgage team in growing a portfolio of high-quality commercial mortgage loans in Quebec by identifying and sourcing new opportunities in the market and by structuring, negotiating and underwriting new loan opportunities in accordance with Manulife’s investment guidelines, policies, and procedures. Position Responsibilities Origination & Underwriting Source, review, and underwrite commercial mortgage loan opportunities, typically $10 million and above, for presentation to senior management and credit committees. Perform in-depth analysis of property cash flows, market conditions, property valuation and borrower financials to recommend appropriate loan structures, terms, and covenants. Lead the preparation of comprehensive credit submissions that clearly outline deal merits, risks, and mitigants. Ensure transactions are completed efficiently while maintaining prudent risk management standards. Deal Execution & Closing Collaborate with centralized closing teams, legal counsel, and clients/brokers to ensure seamless transaction execution. Negotiate loan documentation, terms, and conditions in line with approved structures. Oversee completion of due diligence, including property condition assessments, environmental reports, and lease reviews. Portfolio Management & Risk Oversight Monitor an assigned portfolio to ensure ongoing compliance with loan agreements, proactively addressing borrower requests, covenant breaches, or emerging risks. Conduct periodic loan reviews, property inspections, and market assessments to maintain portfolio quality. Assist in the restructuring or workout of loans as needed. Market & Relationship Development Establish and maintain strong relationships with borrowers, mortgage brokers, real estate professionals, and other industry contacts to generate new business opportunities. Stay current on commercial real estate market trends and competitive offerings. Represent Manulife at industry events and professional associations. Mentorship & Leadership Provide guidance and review support for junior underwriters and analysts, ensuring adherence to underwriting best practices. Share market insights and technical expertise to strengthen team capabilities. Required Qualifications Minimum 7 years of progressive commercial mortgage underwriting experience, including large and complex deals. Post-secondary education in Business, Finance, Real Estate, or a related field. Bilingual (French & English) is required - The successful candidate will be required to communicate in English and French in order to support clients from various jurisdictions outside of Quebec. Preferred Qualifications Professional designations such as, AACI, EA or similar are strong assets. Advanced financial analysis and cash flow modeling skills, with a strong mathematical aptitude. Extensive knowledge of commercial real estate sectors (office, multi-family, retail, industrial) and current market trends. Proven ability to structure deals that balance commercial objectives and prudent risk management. Exceptional negotiation, interpersonal, and relationship management skills. High proficiency with MS Office (Excel, Word, PowerPoint). Ability to manage multiple high-priority transactions and deadlines with precision and accuracy. When you join our team We’ll empower you to learn and grow the career you want. We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words. As part of our global team, we’ll support you in shaping the future you want to see. マニュライフとジョン・ハンコックについて マニュライフ・ファイナンシャル・コーポレーションは、"あなたの未来に、わかりやすさを"を提供する、国際的な大手金融サービスプロバイダーです。当社について詳しくは、 https://www.manulife.co.jp/lをご覧ください。 マニュライフは機会均等を是とする雇用主です マニュライフ/ジョン・ハンコックでは、多様性を受け入れます。私たちは、サービス提供先であるお客さまと同様に、多様な人材を引きつけ、育成し、定着させ、文化や個人の力を受け入れる包括的な職場環境を促進するよう努めています。当社は公正な採用、定着、昇進、報酬に努めています。当社のすべての慣行およびプログラムは、人種、祖先、出身地、肌の色、民族的出自、市民権、宗教または宗教的信念、信条、性別（妊娠および妊娠関連の状態を含む）、性的指向、遺伝的特徴、退役軍人としての地位、性自認、性に関する表明、年齢、婚姻状況、家族状況、障害、または適用法で保護されるその他の要因に対する一切の差別を行うことなく管理されます。 雇用への平等なアクセスを提供するために、障壁を取り除くことが当社の優先事項です。人事担当者は、応募者が応募プロセス中に合理的配慮を要求する場合に協力します。配慮要求のプロセス中に共有されるすべての情報は、適用される法律およびマニュライフ/ジョン・ハンコックのポリシーに準拠した方法で保存および使用されます。申請プロセスにおいて合理的配慮を要求するには、recruitment@manulife.comまでご連絡をお願いします。 Referenced Salary Location Montreal, Quebec Working Arrangement ハイブリッド勤務 Salary range is expected to be between $104,325.00 CAD - $187,785.00 CAD If you are applying for this role outside of the primary location, please contact recruitment@manulife.com for the salary range for your location. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence. If you are applying for this role in the U.S., please contact recruitment@manulife.com for more information about U.S.-specific paid time off provisions. #J-18808-Ljbffr