Senior Account Manager, Special Loans and Restructuring

EQ Bank | Equitable Bank

. Manage and/or administer complex delinquent and problem commercial mortgages, generally loans exceeding $2.5MM .

Posted 9/29/2026full-timeToronto • CanadaSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in managing complex delinquent commercial mortgages, including conducting financial reviews, implementing workout strategies, and ensuring compliance with underwriting standards. Proficient in risk assessment, negotiation, and effective communication with stakeholders and senior management.

Highest-signal resume keywords

Commercial Mortgage ExperienceDefault ManagementFinancial Review and AnalysisNegotiation SkillsRisk Assessment

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

UnderwritingCredit AnalysisPortfolio ManagementLoan MonitoringCollateral AnalysisMortgage Enforcement RemediesSecured Lending KnowledgeProblem Loan ReportingWorkout Strategy DevelopmentOperational Efficiency Initiatives

Soft Skills

Analytical SkillsProblem-Solving SkillsTime ManagementOrganizational SkillsAttention to Detail

Tools & Technologies

MS Office

Certifications & Qualifications

Business DegreeCPA or Similar Professional Designation

Industry Keywords

Commercial MortgagesDelinquent LoansLegal ActionForeclosuresAML RequirementsStakeholder CommunicationHigh-Intensity EnvironmentTravel Requirements

About the role

Key responsibilities & impact

Manage and/or administer complex delinquent and problem commercial mortgages, generally loans exceeding $2.5MM
Minimize losses to the Bank and process loans for legal action related to non-payment
Conduct full financial reviews before recommending legal remedies to Senior Management
Manage legal-action loans and enforce remedies and conditions as warranted
Implement default and workout strategies in a timely and efficient manner
Liaise with internal and external stakeholders to determine and negotiate successful workout strategies
Perform, review, and correlate underwriting for defaulted loans and problem accounts, including collateral analysis and valuation
Address heightened risk elements and ensure risk ratings on default loans are updated and reported
Work with Mortgage Services to manage, monitor, and resolve commercial delinquencies and non-performing default loans
Provide timely updates to Senior Management
Assist with oversight of Bank-held properties for recovery purposes
Prepare reports for Senior Management, the Board of Directors, and external regulators, including problem loan, classified and watchlist, arrears monitoring, provisioning, and loan monitoring reports
Support operational efficiency initiatives, policies, procedures, and ad hoc projects
Manage commercial default files and problem accounts while adhering to underwriting standards, company policies, procedures, and AML requirements
Enforce mortgage contract conditions and develop workout strategies to avoid legal action where feasible
Act as a primary contact for legal counsel, real estate agents, brokers, partners, and internal departments
Provide support to the Associate Director, Special Loans and Restructuring
Complete underwriting, credit analysis, portfolio management and monitoring, reporting, projects, administrative duties, and site inspections

Requirements

What you’ll need

Minimum of 5–7 years of commercial mortgage experience or related, with previous default experience preferred
Business degree or related discipline, and/or a CPA or similar professional designation or equivalent work experience
Understanding of mortgage enforcement remedies and foreclosures across Canada
Effective analytical and problem-solving skills
Sound technical knowledge of secured lending and factors affecting the commercial mortgage market
Strong understanding of end-to-end commercial mortgage processes
Established time management and organizational skills
Strong multitasking skills and attention to detail under tight timelines
Ability to thrive in a constantly changing, high-intensity environment
Ability to work independently
Effective negotiation and oral and written communication skills
Excellent presentation skills and ability to communicate professionally with Senior Management and stakeholders
Proficient in MS Office
Valid driver's license
Ability to travel within the provinces, including occasional overnight travel
Successful completion of a criminal background check and credit check

Benefits

Comp & perks

Competitive discretionary bonus
Market leading RRSP match program
Medical, dental, vision, life, and disability benefits
Employee Share Purchase Plan
Maternity/Parental top-up
Generous vacation policy and personal days
Virtual events to connect with colleagues
Professional development and comprehensive Career Development program
Hybrid work arrangement
Fulfilling opportunity to join a leading FinTech and help create a new banking experience