Manulife Investment Management is seeking an Analyst to join our Commercial Mortgage Credit team. This role supports credit underwriting, risk assessment, and ongoing oversight across a diversified portfolio of commercial mortgage investments in Canada and the United States.You will contribute to the review and analysis of commercial mortgage financing opportunities submitted by regional offices across multiple markets and property types, supporting well-informed credit decisions.
As part of a global credit platform, you will gain exposure to the full credit lifecycle, including new originations, ongoing monitoring, and credit governance while developing strong underwriting, analytical, and stakeholder engagement capabilities.
This role is suited for early- to mid-career professionals (typically 2–5 years of relevant experience) and offers increasing responsibility, ownership of deliverables, and exposure to senior stakeholders and credit decision-making forums.
Position Responsibilities: Credit Underwriting & Transaction Analysis
Support the credit review and underwriting of commercial mortgage loan opportunities across property types and geographies.
Prepare clear, concise credit memos, deal summaries, and risk assessments with increasing independence.
Perform detailed financial analysis, including cash flow modelling, sensitivity analysis, and scenario testing.
Assess borrower strength, property performance, and market dynamics to identify key risks and mitigants.
Review third-party reports and due diligence materials and incorporate findings into credit recommendations.
Portfolio Monitoring & Credit Risk Oversight Conduct ongoing monitoring of existing loans, including annual reviews, risk rating updates, and trend analysis.
Identify emerging credit risks and contribute to proactive credit oversight of assigned exposures.
Ensure accuracy, completeness, and integrity of credit data and internal reporting.
Credit Analysis, Reporting & Decision Support Synthesize quantitative and qualitative information to support clear, well-reasoned credit recommendations.
Support and, where appropriate, take ownership of components of materials for Credit Committees and senior management.
Market Research & Credit Insights Monitor real estate markets, economic conditions, and sector trends across regions.
Incorporate market insights into transaction analysis and credit recommendations.
Credit Governance, Documentation & Audit Support Maintain complete, well-organized, and audit-ready credit files in accordance with internal standards.
Ensure documentation appropriately supports credit analysis and decision-making.
Support adherence to internal credit policies, procedures, and governance requirements.




Partner with internal control functions and support internal and external audit requests.
Provide accurate and timely documentation and analysis in response to audit and review activities.
Stakeholder Collaboration & Communication Collaborate with origination, portfolio management, and global credit risk teams across Canada and the U.S.
Build effective working relationships with internal and external stakeholders.
Communicate analysis and recommendations clearly and professionally, including to senior management where appropriate.
Contribute to presentations and discussions in credit and governance forums.
Clearly articulate key risks, mitigants, and rationale for credit recommendations.
Contribute to recurring and ad hoc reporting, ensuring outputs are accurate, relevant, and well-structured.
Required Qualifications: 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 (advanced Excel).
Solid understanding of commercial real estate fundamentals (NOI, cap rates, DSCR, 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 communication and presentation skills (written and verbal).
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.
Preferred Qualifications: Experience with data and reporting tools (e.g., 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.
When you join our team: We’ll empower you to learn and grow the career you want.
We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.
As part of our global team, we’ll support you in shaping the future you want to see.
#LI-Hybrid
The role being advertised is an existing vacancy.
關於宏利和恒康 宏利金融公司是一家業界領先的國際金融服務商，致力於幫助人們實現「輕鬆投資理財，樂享豐盛人生」。若要進一步了解我們，請瀏覽 https://www.manulifeim.com/institutional/tw/en。
宏利是平等機會僱主 在宏利／恒康，我們擁抱多元。我們致力於吸引、培養及挽留和所服務客戶同樣多元的員工，並從而營造包容的工作環境，接納文化和個體差異。我們矢志維持公平的招聘、挽留、晉升及薪酬制度，我們管理的所有實踐及項目不會因種族、血統、原籍地、膚色、族裔、國籍、宗教或宗教信仰、信仰、性別（包括懷孕及其相關情況）、性取向、遺傳特徵、退伍軍人身份、性別認同、性別表達、年齡、婚姻狀況、家庭狀況、殘疾或受適用法律保護的任何其他因素而區別對待。
我們的首要任務是消除障礙，為員工提供平等就業機會。人力資源部代表將盡力為應徵過程中提出要求的申請人提供合理協助。申請人要求提供協助所分享的信息將會按照適用法律及宏利／恒康政策儲存及使用。應徵過程中如需協助，請聯絡 [email protected]。
Referenced Salary Location Halifax, Nova Scotia
Working Arrangement 混合式
Salary range is expected to be between $65,850.00 CAD - $109,750.00 CAD
Employees also have the prospect to participate in incentive programs and earn incentive compensation tied to business and individual performance.
Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D; insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans.
We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources.
Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence.
If you are applying for this role in the U.S., please contact [email protected] for more information about U.S.-specific paid time off provisions.

#J-18808-Ljbffr

📌 Analyst - Commercial Mortgage Credit (Nova Scotia)
🏢 Manulife Financial
📍 Nova Scotia