The Work As part of a growing, dynamic & solution-focused commercial team, the Commercial Mortgage Underwriter is responsible for underwriting conventional commercial mortgages. The underwriter must adhere to established policies and underwriting standards, meeting compliance and control requirements while finding creative and service-oriented solutions in a timely manner to achieve department goals as well as annual target volumes. Additional credit-related and administrative duties are also required such as reporting and pipeline management. The underwriter also networks with mortgage brokers, partners and other external third parties along with various staff within the Credit & Risk group & other internal departments.

Core Parts Of Your Role

Approximately 50% of the day is spent analyzing and underwriting commercial credit facilities for conventional commercial mortgage products, ensuring compliance with company lending guidelines and submitting recommendations for approval.

About 30% of the day is dedicated to communication with internal and external contacts to ensure timely processing of transactions and delivery of superior customer service and funding deadlines, including site or drive‑by inspections on a deal‑to‑deal basis.

15% of the day is spent on pipeline review and time management of deal flow to meet prescribed deadlines.

5% of the month is spent on various administration and reporting duties required for the department and company, which are relied upon by Senior Management.

Qualifications

Bilingualism is required.

Proficient underwriting skills with a minimum of 2 years of commercial mortgage or SFR underwriting experience.

Demonstrated service excellence within the field.

Post‑secondary education (diploma or degree) preferred, preferably in business or finance.

Good working knowledge of MS Office (primarily Word and Excel).

Effective analytical and problem‑solving skills.





Strong business sense combined with sound technical knowledge of secured lending and factors affecting the commercial mortgage market.

Excellent organizational and time‑management skills.

Ability to handle multiple competing priorities while providing optimal customer service.

Excellent communication skills, both oral and written.

Ability and desire to attend broker‑related events as required (often after hours).

Access to a vehicle for site inspections.

Job Complexities/Thinking Challenges

The position requires the incumbent to be a self‑starter and to make sound underwriting decisions as efficiently as possible. Commercial mortgage applications can be complex, requiring creative and innovative thinking and proactive problem‑solving. The incumbent follows corporate policies, procedures and regulatory requirements to work through files and rationalize recommendations or decisions made, sometimes with limited access to information or documentation.

What We Offer 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, professional development and comprehensive career development program, and a fulfilling chance to join one of the top FinTechs and help create a new kind of banking experience.

Equitable Bank is deeply committed to inclusion. We support and encourage our staff to grow personally and professionally, and we commit to providing a barrier‑free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire.

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📌 Bilingual Commercial Underwriting Manager, Business Enterprise Solutions (BES) (Toronto)
🏢 EQ Bank
📍 Toronto