Commercial Relationship Manager

This job starts in January 2026 and offers a hybrid work environment, as the position requires occasional travel, sometimes overnight, through Atlantic Canada and occasional evening and weekend work.

A TYPICAL WEEK:

Are you a savvy Relationship Manager who can develop a robust network of direct clients and referral sources to drive League Savings & Mortgage's (LSM) commercial real estate and new business activities? This might be the role for you. We are looking for an individual with experience negotiating terms and overseeing applications, ensuring compliance with the company's risk tolerance and lending policies.

About LSM

League Savings and Mortgage Company provides tailored financial solutions designed to meet the unique needs of our customers. Backed by a dedicated team of financial professionals, we ensure every solution aligns with our customers' personal and business goals. With nearly six decades of experience and a legacy of success, League Savings remains a trusted partner—delivering competitive solutions and results that count.

RESPONSIBILITIES:

1.  Actively contributes to the business development activities of Atlantic Central & LSM, including:

· Developing and maintaining a network of relationships with AC and LSM partners, borrowers and other stakeholders including direct, credit union, and other referral sources (e.g., brokers, accountants, etc.).

· Researching the market to determine active property developers / investors.

· 

Conducting cold calls and

online networking to discuss potential funding opportunities.

· Attending industry events.

2.  Conducts appropriate due diligence and analysis to determine the strength of complex loan applications including:

· Interviewing applicants, mortgage brokers or clients to identify financial needs; negotiates the terms and conditions (e.g., rates, security, fees, etc.); structures a proposal and developing a Term Sheet for submission to the applicant.

· Conducting comprehensive analyses of the applicants' financial statements, cash flow, business

performance history, profitability and personal net worth of shareholders.

· Conducting market research on the borrower and industry trends and conducting security assessments to determine acceptability.

· Preparing detailed credit applications ensuring compliance with the company's risk tolerance and commercial lending policies for presentation to the appropriate credit authority.

· Completing applications for CMHC Certificate of Insurance.

· Preparing commitment letters for internal approval and acceptance by the borrower. Ensuring all financing conditions are met as required and coordinating the advance of funds with the commercial lending administration team in accordance with the credit authorization.

3. Conducts detailed analysis of potential Canada Mortgage Bond (CMB) transactions and prepares

credit submissions to include in a recommendation to LSM's Executive Committee.

4. Participates on the companies' credit committees, providing adjudication on new applications for AC and LSM and regional credit union applications.

5. Stays current with market information and real estate market trends, including but not limited to, conducting research as required to help identify business development opportunities and information pertinent to new applications and our existing loan portfolios.

6. Assists the LSM Treasury Department in managing loan fundings and securitization of loans, including, but not limited to maintaining the loan advance cash flow projections for the Treasury team and providing advance dates and advance amounts to the Director, Treasury & Securitization to ensure sufficient capital to fund the advances.

7.  Participates in the design and development and co-facilitation of information and training sessions that are aligned with departmental and company goals to credit union personnel and provides advice and guidance on LSM products and services.

8. Completes other projects and duties as assigned.

To BE SUCCESSFUL:

You have successfully completed will have successfully completed a Bachelor's Degree with an emphasis in Finance or a related discipline plus have a minimum of 5 years Commercial Lending experience; or equivalent combination of training and experience.

COMPENSATION:

This is a permanent full-time position and is rated a Salary Level CU-8 with a salary range $91,220- $107,318. LSM offers a competitive benefits package as well as the opportunity to participate in the Performance Sharing Incentive Plan.

LOCATION:

This position will be based in our Halifax, NS office, and provides services throughout Atlantic Canada, therefore offers the ability to work remotely/hybrid as required.