Mortgage Officer

We are a leading financial services provider committed to making decisions easier and lives better for our customers and colleagues around the world.
From our environmental initiatives to our community investments, we lead with values throughout our business.
To help us stand out, we help you step up, because when colleagues are healthy, respected and meaningfully challenged, we all thrive.
Discover how you can grow your career, make impact and drive real change with our Winning Team today.

Working Arrangement

We are a leading financial services provider committed to making decisions easier and lives better for our customers and colleagues around the world.
From our environmental initiatives to our community investments, we lead with values throughout our business.
To help us stand out, we help you step up, because when colleagues are healthy, respected and meaningfully challenged, we all thrive.
Discover how you can grow your career, make impact and drive real change with our Winning Team today.

Working Arrangement

Accountability Statement:

Reporting to the Assistant Vice President and Regional Director, the individual 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 per Manulife investment guidelines, policies and procedures.

Responsibilities:

• Assist in sourcing, reviewing, analyzing /underwriting commercial mortgage loan opportunities ($10 million and up) for recommendation to senior branch staff and head office;

• Assist with the closing of loan transactions by working with our centralized closing team, legal counsel and clients/brokers;

• Establish and cultivate good relationships with clients, real estate and mortgage brokerage firms, and other industry-related professionals, for the purpose of seeking new mortgage investment opportunities;

• Keep current with real estate and lending market conditions and trends;

• Analyze, recommend, and manage changes or amendments to existing loans;

• Assist Loan Administration and Collateral Review in the management of the mortgage portfolio, including surveillance of the mortgage loans, borrower requests, problem accounts, and legal issues affecting the mortgage security.

Qualifications:

• Progressive commercial mortgage loan experience required (5 years plus);

• Post-Secondary Education preferably in a real estate related field, such as Business / Finance / Accounting;

• Strong mathematical aptitude and analytical skills in the context of mortgage financing;

• Extensive knowledge of commercial real estate and of real estate market / industry trends;

• Exceptional customer service skills as well as interpersonal and relationship building skills;

• Superior verbal and written communication skills in French and English;

• Teamwork and good relationship management skills;

• Ability to prioritize and work effectively in a deadline-oriented environment;

• Detail oriented, with a high degree of accuracy.

• Superior computer skills and proficiency with MS Office applications (Word, Excel and PowerPoint).

Success factors include knowledge of commercial mortgage loan documentation; familiarity with legal issues; the ability to analyze cash flows; and a thorough understanding of commercial real estate market conditions and appraisal techniques.
The ability to appraise commercial real estate, (primarily office, multi-family, retail, industrial properties), complete site inspections, structure loan transactions and negotiate loan documents is a necessity.
The incumbent must also become familiar with the Company's lending policies, procedures, and standards.

Additional skills include marketing, deal negotiation, gathering of due diligence material, financial statement analysis and review of leases, property condition reports and environmental reports.
The ability to effectively communicate and make clear and concise presentations to borrowers, brokers, and senior management is a necessity.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better.
With our global headquarters in Toronto, Canada, we operate as Manulife across our offices in Asia, Canada, and Europe, and primarily as John Hancock in the United States.
We provide financial advice, insurance, and wealth and asset management solutions for individuals, groups and institutions.
At the end of 2022, we had more than 40,000 employees, over 116,000 agents, and thousands of distribution partners, serving over 34 million customers.
At the end of 2022, we had $1.3 trillion (US$1.0 trillion) in assets under management and administration, including total invested assets of $0.4 trillion (US $0.3 trillion), and segregated funds net assets of $0.3 trillion (US$0.3 trillion).
We trade as 'MFC' on the Toronto, New York, and the Philippine stock exchanges, and under '945' in Hong Kong.

Manulife is an Equal Opportunity Employer

At Manulife /John Hancock , we embrace our diversity.
We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals.
We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour , ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.

It is our priority to remove barriers to provide equal access to employment.
A Human Resources representative will work with applicants who request a reasonable accommodation during the application process .
All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies .
To request a reasonable accommodation in the application process, contact *** .

Salary & Benefits

The annual base salary for this role is listed below.

Primary Location

Salary range is expected to be between

If you are applying for this role outside of the primary location, please contact *** 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, qualifica.