Regional Director, Commercial Originations, Commercial ...

OverviewJoin a ChallengerBeing a traditional bank just isn’t our thing, so we challenge ourselves to get creative in providing innovative banking solutions for Canadians.How do we get there? With a talented team of inquisitive and agile challengers that break through the status quo. So, if you’re passionate about redefining the future of banking—while having fun—this could be your next big opportunity.Our company continues to grow, and today we serve more than 670,000 people across Canada through Equitable Bank, Canada’s Challenger Bank, and have been around for more than 50 years. Equitable Bank’s wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people’s lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World’s Best Banks list since 2021.ResponsibilitiesThe WorkThe Regional Director will be responsible for originating and analyzing new loan opportunities, building and developing new relationships and working in conjunction with the credit and funding teams to ensure proper deal flow from inception to closing. The incumbent will primarily analyze, structure conventional, and construction (both conventional and insured) loan opportunities in a variety of asset classes and assess their viability in accordance with Equitable’s underwriting and pricing parameters and make appropriate recommendations. The incumbent will liaise with senior executives, procuring large commercial mortgage transactions with direct clients, mortgage brokers and new partners as well as preparing loan summaries, issuing loan proposals, inspecting properties, and providing limited account management support to the underwriting group. This position involves cross-functional challenges and is integral to the overall success of the commercial group in meeting annual target volumes.Core responsibilitiesAnalyze, structure commercial credit opportunities for all conventional commercial mortgage product classes for presentation to senior management. Ensure transactions are within the company’s lending guidelines, ROE requirements and procedures. Communicate daily with Origination, Credit, Funding teams, management, department staff, and external contacts (partners, brokers, clients, appraisers, etc.).Communicate and meet with external contacts to procure new commercial transactions and attend industry events to promote EQB commercial mortgage program. Coordinate marketing initiatives and identify new loan opportunities with the origination team.Manage time and deal flow to meet prescribed underwriting deadlines.Travel for site inspections or presentations.QualificationsPost-secondary education (diploma/degree) preferably in business or finance; Real Estate specialization (e.g., Urban Land Economics, Real Property Valuation/Assessment) is a definite asset.Proficient credit skills with a minimum of 6 years commercial mortgage experience as an analyst, account manager or underwriter.Experience with institutional construction lending.Sound knowledge of secured lending and factors affecting the commercial mortgage market at regulatory and macro-economic levels.Excellent working knowledge of MS Office (Word, Excel, PowerPoint).Effective analytical and problem-solving skills; solid understanding of financial statements and financial ratio analysis.Working knowledge of AML/ATF regulations and Corporate/Legal documentation for commercial real estate in multiple jurisdictions across Canada.Strong organization and time management skills with the ability to handle multiple priorities; strong negotiation, sales, and presentation skills.Ability to work independently and in a team; highly developed verbal and written communication with the ability to secure new business.Strong customer service focus, industry knowledge and a team player; bilingualism is an asset.Job Complexities / Thinking ChallengesThe role requires a mature self-starter with solid commercial credit background. Commercial mortgage applications can be complex, requiring creative and proactive problem solving. Follow corporate policies, procedures and regulatory requirements to balance credit and sales functions while delivering optimal customer service. Transactions may involve multiple external partners with unique complexities; ability to draw on product/document knowledge to assess suitability.BenefitsLI-HybridCompetitive discretionary bonusMarket leading RRSP match programMedical, dental, vision, life, and disability benefitsEmployee Share Purchase PlanMaternity/Parental top-upGenerous vacation policy and personal daysVirtual events to connect with colleaguesAnnual professional development allowance and Career Development programA fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experienceThe incumbent will be working hybrid and in-office time will be spent at Equitable Bank’s office at 2200-25 Ontario Street, Toronto, ON.Equitable Bank is deeply committed to inclusion. We support and encourage staff growth in career and personal development and commit to a barrier-free recruitment process. All candidates considered for hire must successfully pass a criminal background check and credit check. Equitable recruiters will contact leading candidates whose skills and qualifications closely match the requirements of the position.We can’t wait to get to know you! #J-18808-Ljbffr

Created: 2025-10-08