Who we are: Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, Eden Park and Fig.
Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners' growth. With a diverse suite of products-residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending-we offer financial solutions tailored to all Canadians, including newcomers, small-business owners, smart investors and savvy consumers.
Home Trust Company has developed a track record of success as Canada's leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people.
Join Home Trust as a Senior Analyst, Commercial Lending, reporting to Director, Commercial Real Estate, and be part of our talented and growing team!
About the role: The Senior Analyst, Commercial Lending is responsible for assessing, evaluating, and analyzing investment proposals to prepare recommendations on a wide variety of commercial mortgage transactions.
Key Responsibilities: Transaction Analysis, Review and Approvals (65%)



Assist the Director to analyze and provide written recommendations in Term Sheet format (decision ready) on investment proposals requiring approval in accordance with HTC's Policy and Guidelines and general investment criteria.
Assist in the collection and review of necessary due diligence items and the presentation of investment proposals within required timelines.
Collaborate with the Underwriting team to ensure service quality and timely funding is achieved to client expectations.
Maintain and evaluate consistent, objective and sound risk assessments in a high volume, quality focused and service-oriented environment.
Assist the Director, Commercial Lending in achieving all business objectives including new business volume, spread, and profitability targets for Large Commercial.
Maintain a high level of knowledge of the industry, competition and market trends.
Pipeline and Reporting (20%) Assist the Director to manage the development and maintenance of the Large Commercial pipeline to facilitate workflow and to ensure timely execution of loan approvals.
Assist in the delivery of accurate and substantive reporting to the EVP, Commercial Lending on the commercial mortgage portfolio, pipeline, market trends, competition and cost of funds and provide ad-hoc reporting to senior management, as required.
Assist in the management of CMHC / CMB allocation targets and limits with a goal to maximize capacity usage and revenues.
Coordinate with internal business groups including ERM,



Finance, Treasury, Compliance and Securitization to assist in facilitating Commercial related items in the organization.
Risk and Compliance (10%) Evaluate and analyze documentation supplied by clients and brokers to ensure its authenticity and compliance with all aspects of Home Trust Company's policies and guidelines per delegated authority matrices and applicable compliance obligations including Commercial Underwriting Policies and Commercial Lending Guidelines, Privacy, Anti-Money Laundering / Anti-Terrorist Financing, and internal Anti-Fraud Policy requirements.
File Unusual Transaction Reports as applicable to fulfil individual employee obligations to detect and deter financial crimes activity.
Maintain clean OSFI and Internal Audit reports as required for Commercial Originations.
Projects (5%) Assist in special projects or other new initiatives as needed.
What we're looking for: University degree in business, economics, or related discipline
Additional relevant accreditation(s)/ certification(s) or their pursuit are considered assets (e.g. MBA, CFA)
3-5 years in commercial mortgage lending / underwriting
Background in alternative lending an asset
In depth understanding of commercial real estate and mortgages
Able to multi-task and flourish in a fast-paced, deadline-driven work environment
Proven ability to work within a collaborative team environment
Excellent written / verbal communication and skilled maturity
Robust organizational, time-management and analytical skills to work effectively within established guidelines
Understands Home Trust Company's lending criteria and risk appetite
Strong knowledge of MS Office, especially Excel
What you'll love about w
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📌 Senior Analyst, Commercial Lending (Ontario)
🏢 Fairstone
📍 Ontario