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Analyst, Commercial Lending
2 weeks ago
Come join Home Trust Company as a Analyst Commercial Lending in our Commercial Lending team
Home Trust Company has developed a track record of success as Canada's leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people. Home Trust is a private company.
FIRST THING – WHAT YOU NEED TO SUCCEED?
We are looking for individuals who are dedicated, passionate, and driven to execute with excellence
WE CARE ABOUT OUR EMPLOYEES WELL-BEING, WHAT WE OFFER:
- Base salary, with yearly incentive performance bonus
- Three (3) weeks of vacation, an additional six (6) flex days (sick or personal) in addition to statutory holidays
- Comprehensive benefit packages, offered through Manulife
- Group Retirement Savings Plan (GRSP) up to 8% contribution program & employer match
- $1000 Employee Referral Program
- Employee Discounts; phone plans, gym membership, Toronto Bike Share and many retailer discounts offered through WorkPerks
- Education Assistance program
ABOUT THE ROLE:
The Analyst - Commercial Lending is accountable for conducting comprehensive assessments and analyses of investment proposals, with the objective of formulating well-informed recommendations across a diverse range of commercial mortgage transactions.
- Assist the Manager 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.
- 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.
- Assist in the collection and review of necessary due diligence items and the presentation of investment proposals within required timelines.
- Collaborate with the Underwriting team to ensure service quality and timely funding is achieved to client expectations.
- Maintain and evaluate consistent, objective and sound risk assessments in a high volume, quality focused and service-oriented environment.
- Assist the Manager- Commercial Lending in achieving all business objectives including new business volume, spread, and profitability targets for Large Commercial.
- Maintain a high level of knowledge of the industry, competition and market trends.
- Assist the Manager to manage the development and maintenance of the Large Commercial pipeline to facilitate workflow and to ensure timely execution of loan approvals.
- Assist in the delivery of accurate and substantive reporting to the Management on the commercial mortgage portfolio, pipeline, market trends, competition and cost of funds including ad-hoc reporting, as required.
- Assist in the management of CMHC/ CMB allocation targets and limits with a goal to maximize capacity usage and revenues.
- Coordinate with internal business groups including ERM, Finance, Treasury, Compliance and
- Securitization to assist in facilitating Commercial related items in the organization.
- Review and assess documentation submitted by clients and brokers to verify its authenticity and ensure full compliance with Home Trust Company's policies, delegated authority matrices, and applicable regulatory requirements. This includes adherence to Commercial Underwriting Policies, Commercial Lending Guidelines, Privacy legislation, Anti-Money Laundering and Anti-Terrorist Financing regulations, as well as internal Anti-Fraud protocols. File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity.
- Maintain clean OSFI and Internal Audit reports as required for Commercial Originations.
- Prepare the risk rating in accordance with the risk rating framework.
- Assist in special projects or other new initiatives as needed.
WHAT WE REQUIRE:
- Authorized to work in Canada
- University degree in finance, economics, accounting, business, real estate, or related field.
- Additional relevant accreditation(s)/ certification(s) or their pursuit are considered assets (e.g. MBA, CFA, CBV, CPA)
- Minimum 3 years experience in commercial banking, real estate finance, credit underwriting, or investment analysis
- Background in alternative lending an asset
- In depth understanding of commercial real estate and mortgages
- Able to multi-task and flourish in a fast-paced, deadline-driven work environment
- Proven ability to work within a collaborative team environment
- Excellent written / verbal communication and professional maturity
- Strong organizational, attention to detail, time-management and analytical skills to work effectively within established guidelines
- Understanding of credit risk assessment and lending principles.
- Knowledge of real estate valuation (income approach, cap rates, DCF, comparable etc.)
- Strong financial analysis and modeling skills (Excel proficiency required).
- Familiarity with loan structures and regulatory requirements is an asset.
PREREQUISITE: Maintain a positive supportive attitude, help to maintain an inclusive and supportive company culture
