Join a Challenger At EQ, we're remaking banking so every Canadian gets ahead, every day. Serving nearly 4 million Canadians from coast to coast, we offer a wide variety of financial services from banking and lending, to trust and credit union solutions.  We've been at this since 1970, challenging the conventions of traditional banking with smarter, faster, and more connected financial experiences. What's kept us moving?  The people behind it all: challengers who ask better questions, push back on old assumptions, and look for a better way forward. If you're driven to help reshape how banking works for Canadians and the businesses that power our economy, this could be your next big opportunity. We can’t wait to get to know you!  We can’t wait to get to know you!  THE CORE PARTS OF YOUR ROLE WOULD BE TO: * On a daily basis, the incumbent will strive to provide superior customer service by way of managing complex commercial mortgage facilities. Critical success factors include completion of renewals, refinances, assumptions, annual reviews and ad-hoc requests quickly, efficiently, and accurately, often with limited and/or incomplete information.  The incumbent must be able to manage multiple competing priorities in order to achieve aggressive timelines (30%)    * On a daily basis, the incumbent is responsible for ensuring that credit risk associated with their portfolio of mortgages is controlled and within approved guidelines.  Credit documentation shall be thoroughly assessed in accordance with established policies and underwriting procedures, with recommendations submitted in compliance with the Bank’s delegated authority limits (30%) * On a daily basis, the incumbent will leverage extensive industry knowledge and expertise in order to provide significant levels of support and guidance to junior members of the team. (20%)  * On a daily basis, the incumbent will communicate with internal contacts (management, originations, funders, coordinators, etc.) to ensure all transactions and ad-hoc requests are meeting prescribed deadlines in a timely and efficient manner (10%). * On a weekly, monthly, and/or quarterly basis, the incumbent will be responsible for the preparation of specific reports on assigned categories required for the department/Company which will be relied upon by Senior Management (10%). * On a daily basis, the incumbent will be responsible for contributing to special projects as assigned from time to time (10%).  LET'S TALK ABOUT YOU! * Post-secondary education (diploma/degree) preferably in business or finance * Bilingualism (French/English) is considered an asset * Proficient underwriting skills with a minimum 7-10 years’ commercial mortgage experience * Sound technical knowledge of commercial real estate underwriting, financial statement analysis and factors affecting the commercial mortgage market * Significant exposure to/experience with construction and syndicated lending across all asset types  * Working knowledge of AML/ATF regulations and Corporate/Legal documentation for commercial real estate in multiple jurisdictions across Canada * Good working knowledge of MS Office (primarily Word and Excel) * Effective analytical and problem solving skills * Strong organizational and time management skills * Ability to handle multiple competing priorities * Strong negotiation skills * Demonstrated ability to work independently to achieve goals * Proven track record of mentorship/employee development * Highly developed verbal and written communication skills with the ability to communicate to Senior Management and Partners in a clear, concise and professional manner  JOB COMPLEXITIES/THINKING CHALLENGES The position requires an individual to manage complex construction, renovation, and portfolio loans.  The individual should be client-focused, a self-starter, with the ability to make sound underwriting decisions as efficiently as possible.  The incumbent shall possess strong cognitive skills and professional judgement upon which they can rely in the ongoing management of their files.  The incumbent must also have the ability to work independently with minimal supervision to properly identify and mitigate risks associated with individual transactions while balancing the needs of the client.  The incumbent is required to follow corporate policies, procedures and regulatory requirements in order to work through files and rationalize the recommendations or decisions made.  Existing accounts are unique in nature and fulsome information is not always available.  As such, the incumbent must be comfortable making recommendations based on incomplete information.  The incumbent must also be willing and able to invest time in mentoring junior employees, providing advice and knowledge, when needed.  What we offer [For full-time permanent roles]   💰 Competitive discretionary bonus  ✨ Market leading RRSP match program 🩺  Medical, dental, vision, life, and disability benefits 📝  Employee Share Purchase Plan 👶🏽 Maternity/Parental top-up while you care for your little one 🏝 Generous vacation policy and personal days 🖥  Virtual events to connect with your fellow colleagues 🎓  Professional development and comprehensive Career Development program 💛  A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience   Equity, Diversity & Inclusion EQ is committed to building an inclusive, accessible environment where every employee feels valued, respected, and supported. We believe our organization is stronger — and our people thrive — when we honour and celebrate diverse experiences, identities, and perspectives. We’re equally committed to supporting your growth, both professionally and personally. We provide a barrier‑free recruitment process and work environment. If you require accommodations at any stage, we will work with you to ensure you can bring your best self to the process and beyond. As part of our recruitment process, EQ uses AI to help screen, assess, and/or select applicants for this position. All AI-enabled outputs are reviewed and validated by our talent team. All candidates considered for hire must successfully complete a criminal background check and credit check. While we appreciate every application, an EQ recruiter will contact only those whose skills and experience most closely match the requirements of the role. EQB Inc. (TSX: EQB) is the parent company of Equitable Bank, the country's seventh-largest Schedule I bank by assets, which operates EQ Bank, Canada's Challenger Bank™. EQB Inc. serves nearly 4 million Canadians and manages approximately $150 billion in combined assets under management and administration.  To learn more, visit eqb.investorroom.com and eqbank.ca.