Investment Officer – Commercial Mortgage

About the role

Reporting to the AVP, the Investment Officer originates and manages profitable commercial mortgage loan investments within the Company's risk and return parameters. The role sources high-quality lending opportunities with yields aligned to underlying liabilities, leads the full transaction lifecycle (sourcing, structuring, underwriting, approval recommendation) and supports portfolio management to protect asset quality.

Key responsibilities

• Originate, analyze, negotiate, underwrite and close commercial mortgage investments, including market analysis, collateral appraisal, underwriting and structuring.
• Market and place commercial mortgage loans with borrowers, correspondents and brokers.
• Present and recommend targeted loan opportunities to the Credit Team and senior management.
• Conduct annual loan reviews with financial, market and security analysis to update credit ratings.
• Collaborate with branch staff, home offices (Boston and Toronto), Loan Administration and Collateral Review Teams on portfolio loans.
• Structure transactions, negotiate terms and develop pricing strategies consistent with Company standards.
• Support portfolio administration: monitor and address problem loans, coordinate with collateral review and legal teams, conduct annual property inspections, renew and retain performing loans, and work with the Closing and Post-Closing teams.

Required profile

• Minimum 5 years of commercial mortgage loan experience in origination, portfolio and asset management; life insurance, bank or credit experience is a plus.
• Bachelor's degree required; advanced degree in business, finance, economics, commercial real estate or a related field preferred.

Required skills

• Strong knowledge of mortgage lending, documentation, credit standards and underwriting.
• Cash flow analysis and spreadsheet-based financial modeling, loan rating methodology and appraisal techniques.
• Deal sourcing, marketing, relationship management, loan document negotiation, due diligence and financial statement analysis.
• Understanding of real estate law, lease structures and loan documentation.

What we offer

• Expected salary range of $128,550 to $222,820 USD, with incentive compensation tied to performance.
• Hybrid working arrangement.
• Health, dental, vision, disability, life and retirement savings plans, plus paid time off.