Being a traditional bank just isn’t our thing, so we challenge ourselves to get creative in providing innovative banking solutions for Canadians. With a talented team of inquisitive and agile challengers that break through the status quo. So, if you’re passionate about redefining the future of banking—while having fun—this could be your next big opportunity.

Our company continues to grow, and today we serve more than 800,000 customers across Canada through Equitable Bank, Canada's Challenger Bank™, and have been around for more than 50 years.

Equitable

Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $142 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform ( eqbank.ca ) one of the top banks in Canada on the Forbes World's Best Banks list since 2021.

As part of a growing and dynamic Commercial Portfolio Management team, the Account Manager is responsible for the day-to-day management of an assigned group of lending partners and associated portfolio of mortgages, from funding through maturity.

The Account

Manager will be focused mainly on conventional and construction mortgages secured by all types of asset classes, The Account Manager will be looked upon to deliver superior customer service by understanding, and responding to, the needs of the client by way of underwriting renewals, assumptions, refinances, loan modifications, etc. Work product must adhere to established policies and underwriting standards and meet compliance and control requirements. Additionally, the incumbent will be responsible for monitoring risks associated with their commercial construction lending portfolio.

Working closely with the Commercial Analyst and the Manager, Portfolio Management, this individual will be responsible for day-to-day management of their construction portfolio which will include monitoring project status and associated covenants, identifying and mitigating execution risk via communication with internal and external stakeholders, regular site inspections, and oversight of work completed by the Commercial Analyst.

The Account





Manager must ensure that risk associated with their portfolio is comprehensively controlled and within the Bank’s risk appetite and that loans remain in compliance with lending parameters by way of completion of annual reviews. Additional credit-related and administrative duties are also required such as subsequent advances, reporting and pipeline management, as well as networking with external business partners along with various staff within the Commercial department & other internal departments. On a daily basis, the incumbent will strive to provide superior customer service with respect to their assigned relationships.

On a daily basis, the incumbent will review on-going sub-advance requests prepared by the Commercial Analyst. The review of sub-advances includes ensuring that the project remains on schedule and on budget. In the event of cost overruns, the incumbent will work closely with lending partners to ascertain cause of overruns while ensuring appropriate tools are in place to address same and that all internal stakeholders are consulted with (25%) On a daily basis, the incumbent is responsible for ensuring that credit risk associated with their portfolio of mortgages is controlled and within approved guidelines.

Credit documentation shall be thoroughly assessed in accordance with established policies and underwriting procedures, with recommendations submitted in compliance with the Bank’s delegated authority limits (20%) On a daily basis, the incumbent will communicate with internal contacts (management, originations, funders, coordinators, etc.) On a weekly, monthly, and/or quarterly basis, the incumbent will be responsible for the preparation of specific reports on assigned categories required for the department/Company which will be relied upon by Senior Management (5%). On a daily basis,



the incumbent will be responsible for contributing to special projects as assigned from time to time (5%). Post-secondary education preferably in business or finance Bilingualism (French/English) is considered an asset Proficient underwriting skills with a minimum 2-4 years’ commercial mortgage experience Working knowledge of AML/ATF regulations and Corporate/Legal documentation for commercial real estate in multiple jurisdictions across Canada Sound technical knowledge of commercial real estate underwriting, financial statement analysis and factors affecting the commercial mortgage market Good working knowledge of MS Office (primarily Word and Excel) Strong organizational and time management skills Highly developed verbal and written communication skills with the ability to communicate to Senior Management and Partners in a clear, concise and professional manner The incumbent shall possess strong cognitive skills, professional judgement and the ability to work independently with minimal supervision to properly identify and mitigate risks associated with individual transactions while balancing the needs of the client.

The incumbent is required to follow corporate policies, procedures and regulatory requirements in order to work through files and rationalize the recommendations or decisions made. Existing accounts are unique in nature and fulsome information is not always available.

What we offer [For full-time permanent roles] Competitive discretionary bonus ✨ Market leading RRSP match program Medical, dental, vision, life, and disability benefits Generous vacation policy and personal days Virtual events to connect with your fellow colleagues A fulfilling opportunity to join one of the top FinTechs and help create a current kind of banking experience The incumbent will be working hybrid and in office time will be spent working from Equitable Bank’s additional office space located at 2200-25 Ontario Street, Toronto, ON .

Equitable

Bank is deeply committed to inclusion. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire.

📌 Commercial Account Manager, Portfolio Management, Commercial Finance Group (CFG) (Toronto)
🏢 EQ Bank
📍 Toronto