This position is responsible for originating new loans to generate branch revenue by establishing and implementing an ongoing marketing program for existing and prospective new Borrower clients. Responsibilities also include structuring and underwriting credit facilities, securing syndication lending partners as needed, negotiating loan terms with Borrower clients, completing and presenting loan proposals, and reviewing and approving loan advances.

Soliciting New Lending Opportunities in the Development Community aimed Primarily at Residential Developments (for sale and rental) and Commercial Developments

Meet with existing clients regularly to discuss their upcoming projects and promoting MCAP as the preferred lending source

Through market research identify and contact new clients in the market place and promote MCAP as an alternative to their existing lender

Review current portfolio to maximize lending / revenue opportunities on existing deals

Prepare and Issue Loan Proposals and Negotiating Acceptance of Same

Inspect development sites and review development plans (i.e. request for financing package, project pro-forma, site drawings/blueprints, financial statements, etc.)

Complete various project and loan analysis to identify the credit risk and establish loan amounts, structure, terms and conditions to mitigate these risks.

Complete cash-flow and IRR analysis to establish loan pricing that is commensurate with the credit risk

Complete Term Sheet outlining the recommended deal to obtain preliminary support from Investment Committee(s).

Negotiate execution of loan proposal with Borrowing client

Prepare Loan Presentation to Investors for Approval

Summarize all project details, plans, figures and analysis into a formal Loan Summary to be circulated to the relevant Investor Credit Committee for review and approval





Address any questions or concerns raised by the Investor Credit Committee

Complete any amendments / additional requirements to the summary in order to gain Credit approval

Prepare and Issue Commitment Letters Binding the Loan Agreement Between the Borrower and Investor

Prepare a Loan Commitment Letter outlining the terms and conditions as outlined in the Loan Summary

Negotiate any necessary changes to the Commitment and communicate any material changes to the Investor Credit Committee for additional approvals

Ongoing Monitoring and Account Maintenance of Loan Portfolio Upon Initial Funding and Throughout the Term of the Loan

Monitor newly signed Loan Commitments and through liaison with the Funding Department approve the initial loan advance and / or address and resolve any material deficiencies in conditions precedent with Borrowing client

Approve monthly loan draws and resolve any ongoing funding issues between funding department and Borrowing client

Complete necessary amendments and loan extensions as required. Upon approval, draft amending letters which are to be sent to the Borrowing client for execution

Oversight and Continued Training of Analysts and Advisors

Assess and guide the development of the Analysts and Advisors

Review and provide input into Term Sheets, Loan Summaries and Amendments ensuring that the completed documents are accurate and have identified/mitigated risks





Ensure underwriting guidelines have been satisfied

Review and provide input into the portfolio reporting completed by the Analysts

Lead and Manage Staff

Champion the company’s Vision, Mission and Values as set out in the Strategic Plan both internally and externally within the industry.

Recruit and develop the right people that believe in and reflect in their behavior MCAP’s Values and culture.

Establish and maintain an effective system of communication throughout the business unit.

Ensure a continuous improvement culture is established and encouraged.

What You Bring To The Team

Minimum of 5 years construction lending experience.

Expertise in credit adjudication

Exceptional analytical and problem solving skills

Excellent relationship management skills

Excellent presentation skills

Excellent organizational and time management skills

Advanced skills on Microsoft Word and Microsoft Excel

Ability to lead change initiatives and to foster a positive employee relations environment.

Excellent verbal, and written communication skills with all levels of the organization.

Ability to multi-task in a fast paced environment

Robust interpersonal skills and the ability to interface with all levels within the organization.

Ability to pull resources together to meet deadlines.

Ability to work effectively in a diverse work group.

Excellent problem-solving and conflict resolution skills

Excellent planning and project management skills

Proven ability to coach, mentor and train staff

Carries out duties with integrity and takes responsibility for actions.

Expert knowledge in specific markets & products

Expert knowledge of MCAP’s Investors’ underwriting criteria

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📌 Director, Origination - DFG (Alberta)
🏢 MCAP
📍 Alberta