Regional Manager, Commercial Real Estate Lending-(Hybrid)

Central 1 cooperatively empowers credit unions and other financial institutions to deliver banking choice to Canadians. Central 1 provides critical services at scale to enable a thriving credit union system. We do this by collaborating with our clients, developing strategies, products and services to support the financial well-being of their more than 5 million diverse customers in communities across Canada. For more information, visit

What we offer:

• Work-life flexibility 

• Hybrid work environment 

• Variable annual incentive plan

• Generous annual vacation allotment

• Top-notch flexible benefits plan including family building and gender affirmation

• Retirement Plan, matched contributions at 6%

• Access to a learning platform and educational assistance support

• Access to a virtual wellness platform

• Career development opportunities

• Wellness Flex Fund to support personal interest and activities

• Day off to volunteer in your community and other paid time off options

• Corporate discounts

*subject to employment agreement

Job Summary:

As a Regional Manager, Commercial Real Estate Lending, you will be responsible for originating and underwriting commercial real estate loans while managing and strengthening relationships with commercial lending clients. You will also lead the development, promotion, and implementation of commercial real estate lending programs for member credit unions, other financial institutions, affiliated organizations such as the Alliance des Caisses Populaires de l'Ontario and La Fédération des Caisses de l'Ontario, as well as commercial real estate brokers and business partners. Because of Central's unique partnership with its member credit unions, these responsibilities are carried out in close collaboration with the credit unions to ensure programs and services are delivered effectively.

What you'll be doing:

• Work closely with credit unions to originate and underwrite new commercial real estate loans ($5M–$20M).

• Manage day-to-day delivery of lending services to credit unions and their members.

• Support business development initiatives and growth opportunities for credit unions.

• Collaborate with the Commercial Real Estate Lending Team to plan, develop, and implement lending programs and services for member credit unions, other financial institutions, affiliated organizations, and business partners.

• Coordinate financial analysis and prepare presentation materials for new loan requests, amendments, and annual reviews.

• Maintain designated loan portfolios, ensuring all required information (e.g., financial statements, rent rolls) is collected, reviewed, and up to date.

• Provide site visit reports and other relevant information to support efficient underwriting.

• Offer guidance and support to credit officers, credit union lenders, and senior management in credit-granting decisions and loan portfolio management.

• Assist credit unions in portfolio growth and, when appropriate, attend meetings with members to develop credit solutions for new relationships.

• Support Directors with loans across the region and special projects as needed.

• Develop marketing initiatives and materials to promote lending products to member credit unions.

• Help establish and maintain strategic relationships with partners and financial institutions to expand commercial and mortgage capabilities for credit unions.

• Support the development and implementation of new lending products and recommend policy changes as needed.

• Manage watch list accounts and ensure accurate reporting.

• Ensure thorough and accurate analysis and preparation of recommendations for senior management at Central and credit unions.

• Perform other duties as required.

• College or university degree in finance or a related field (business administration, accounting, economics, etc.) or equivalent work experience.

• 3–5 years of commercial lending experience, with a focus on real estate transactions, including construction financing and term lending.

• Proven ability to source new business and negotiate credit facilities within the risk and pricing parameters of Central and the credit unions.

• Strong analytical skills to gather and review information required for underwriting commercial credits and presenting for approval.

• Solid understanding of underwriting supporting documents, including financial statements, appraisals, environmental reports, geotechnical assessments, property condition reports, and project monitoring reports.

• Excellent interpersonal, communication, and negotiation skills.

• Strong relationship management skills, with experience interacting with credit union CEOs, commercial lenders, borrowers, and senior management.

• Ability to act with maturity, tact, and diplomacy.

• Self-starter who can work independently or as part of a team, depending on the situation.

• Strong problem-solving skills, with the ability to develop creative solutions for specific business needs and challenges.

Salary range: $115,000-125,000

The salary represents the job rate determined for the successful candidate who is fully competent in the role. The actual salary will vary depending on market conditions and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training

 #LI-Hybrid

Central 1 is an equal opportunity employer and committed to building an inclusive workforce by creating an environment where everyone feels like they belong and has the opportunity to be successful. We welcome all applicants to join our diverse workforce and we will provide an accessible candidate experience including, but not limited to accommodations to interview sites and alternate formats upon request to our Recruitment team.