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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates strong financial analysis and credit assessment capabilities, including cash flow modeling and risk evaluation, while effectively communicating insights and recommendations to stakeholders. Maintains accuracy and integrity in credit data management and reporting, ensuring compliance with credit policies and governance requirements.
Highest-signal resume keywords
Financial AnalysisCredit Risk AssessmentCommercial Real Estate FundamentalsAdvanced ExcelBilingual Communication
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Cash Flow ModelingSensitivity AnalysisScenario TestingCredit AnalysisData IntegrityRisk Rating MethodologiesCredit MonitoringFinancial ReportingUnderwritingQuantitative Analysis
Soft Skills
Attention to DetailAnalytical ThinkingProblem-SolvingCommunication SkillsCollaboration
Tools & Technologies
Power BI
Industry Keywords
Commercial MortgageNOICap RatesDSCRLTVCredit PoliciesGovernance RequirementsStakeholder EngagementAudit ReadinessMarket Dynamics
About the role
Key responsibilities & impact- Support credit review and underwriting of commercial mortgage loan opportunities across property types and geographies
- Prepare credit memos, deal summaries, and risk assessments with increasing independence
- Perform financial analysis, including cash flow modelling, sensitivity analysis, and scenario testing
- Assess borrower strength, property performance, and market dynamics to identify risks and mitigants
- Review third-party reports and due diligence materials and incorporate findings into credit recommendations
- Monitor existing loans through annual reviews, risk rating updates, and trend analysis
- Identify emerging credit risks and contribute to proactive oversight of assigned exposures
- Ensure accuracy, completeness, and integrity of credit data and internal reporting
- Synthesize quantitative and qualitative information to support credit recommendations
- Support and take ownership of materials for Credit Committees and senior management
- Monitor real estate markets, economic conditions, and sector trends across regions
- Maintain complete, organized, and audit-ready credit files
- Support adherence to credit policies, procedures, and governance requirements
- Partner with internal control functions and support internal and external audit requests
- Collaborate with origination, portfolio management, and global credit risk teams across Canada and the U.S.
- Build relationships with internal and external stakeholders
- Communicate analysis and recommendations clearly and professionally
- Contribute to presentations, credit and governance forums, recurring reporting, and ad hoc reporting
Requirements
What you’ll need- 2–5 years of relevant experience in commercial real estate, lending, credit analysis, or financial analysis
- Bachelor’s degree in finance, Business, Economics, Real Estate, or a related field
- Experience with lender-side underwriting or credit analysis within a financial institution is preferred
- Strong financial modelling and analytical capabilities, including advanced Excel
- Solid understanding of commercial real estate fundamentals, including NOI, cap rates, DSCR, and LTV
- Strong attention to detail with a focus on accuracy and data integrity
- Ability to organize, analyze, and present credit information clearly and effectively
- Strong analytical thinking, problem-solving, and sound judgment
- Excellent written and verbal communication and presentation skills
- Ability to manage multiple priorities in a fast-paced, time-sensitive environment
- Demonstrated accountability and ownership of work
- Ability to collaborate effectively across teams and interact with stakeholders at all levels, including senior management and audit partners
- Commitment to Manulife’s values: integrity, collaboration, excellence, and accountability
- Bilinguisme un atout (français et anglais) - Le candidat retenu devra communiquer en anglais et en français afin de servir les clients de diverses provinces autre que le Québec.
- Experience with data and reporting tools such as Power BI is an asset
- Exposure to credit risk assessment practices, including risk rating methodologies and credit monitoring, is preferred
- Experience supporting reporting and analysis for internal stakeholders is an asset
Benefits
Comp & perks- Flexible environment supporting learning, growth, well-being, and inclusion
- Health insurance
- Dental insurance
- Mental health benefits
- Vision insurance
- Short- and long-term disability insurance
- Life and AD&D insurance
- Adoption/surrogacy benefits
- Wellness benefits
- Employee/family assistance plans
- Retirement savings plans
- Pension
- Global share ownership plan with employer matching contributions
- Financial education and counseling resources
- Paid holidays, vacation, personal, and sick days
- Statutory leaves of absence
- Incentive programs and incentive compensation tied to business and individual performance