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 recent 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.
Acerca de Manulife y John Hancock Manulife Financial Corporation es un importante proveedor internacional de servicios financieros que ayuda a las personas a tomar decisiones de una manera más fácil y a vivir mejor. Para obtener más información acerca de nosotros, visite http://www.manulife.com .
Manulife es un empleador que ofrece igualdad de oportunidades En Manulife/John Hancock, valoramos nuestra diversidad. Nos esforzamos por atraer, formar y retener una fuerza laboral tan diversa como los clientes a los que prestamos servicios, y para fomentar un entorno laboral inclusivo en el que se aprovechen las fortalezas de las culturas y las personas.



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Nuestra prioridad es eliminar las barreras para garantizar la igualdad de acceso al empleo. Un representante de Recursos Humanos trabajará con los solicitantes que requieran una adaptación razonable durante el proceso de solicitud. Toda la información que se haya compartido durante el proceso de solicitud de adaptación se almacenará y utilizará de manera congruente con las leyes y las políticas de Manulife/John Hancock correspondientes. Para solicitar una adaptación razonable en el proceso de solicitud, envíenos un mensaje a [email protected] .
Referenced Salary Location Halifax, Nova Scotia
Modalidades de Trabajo Híbrido
Salary range is expected to be between $65,850.00 CAD - $109,750.00 CAD
Los empleados también tienen la oportunidad de participar en programas de incentivos y recibir una compensación vinculada al rendimiento empresarial e individual. El salario real variará según las condiciones del mercado local, la geografía y factores relacionados con el puesto como conocimientos, habilidades, requerimientos, experiencia y educación/formación. Si solicitas este puesto fuera de tu ubicación principal, por favor escríbenos a [email protected] para conocer el rango salarial correspondiente a tu ubicación.
Manulife ofrece a los empleados aptos una amplia variedad de beneficios personalizables, entre ellos, beneficios de salud, odontológicos, de salud mental, oftalmológicos, por discapacidad a corto y a largo plazo, cobertura de seguro de vida y por muerte accidental y desmembramiento, adopción/subrogación y bienestar, y planes de asistencia al empleado/familiar. También ofrecemos a los empleados admisibles varios planes de ahorro para la jubilación (incluidos planes de pensiones y un plan mundial de propiedad de acciones con contribuciones equivalentes del empleador) y recursos de asesoramiento y educación financiera. Nuestro generoso programa de tiempo libre remunerado en Canadá incluye feriados, vacaciones, días personales y días por enfermedad, y ofrecemos la gama completa de ausencia laboral reglamentaria. Si se está postulando para este puesto en los EE. UU., póngase en contacto con [email protected] para obtener más información sobre las disposiciones relativas al tiempo libre remunerado específicas de EE. UU.
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📌 Analyst - Commercial Mortgage Credit (Ontario)
🏢 Manulife
📍 Ontario