Accountant – Mortgage Lending (16-Month Contract with Potential for Permanent Employment)

Organization: Institutional Private Lender – Billion Dollar Portfolio

Employment Type: Full time Permanent

Start Date: November 2026

Location: Hybrid, North York, Ontario; 3-4 days per week remote, with potential to move to fully remote

Compensation: $145,000 - $185,000 per year

Reports To: Vice President, Finance

About the Role
We're looking for an experienced Accountant to support our mortgage lending operations including financial statement reporting and with a particular focus on managing our borrowing base and our mortgage loss provision. Reporting to the VP of Finance and working closely with the President, you'll play a key role in managing our credit facility capacity, overseeing month-end for a group of associated companies, and ensuring our mortgage allowance accurately reflects portfolio risk.

Key Responsibilities

- Manage the borrowing base, working closely with the President to monitor loan eligibility, availability, and advances under our credit facilities.
- Apply a solid understanding of loan leveragability to assess how the mortgage portfolio supports borrowing capacity, and identify risks or opportunities affecting availability.
- Review and forward borrowing base reports and certificates for lenders at month end and as required under credit agreements.
- Calculate and manage the mortgage loss provision, analyzing delinquencies, arrears, and portfolio risk.
- Recommend monthly mortgage allowance provision adjustments to the VP of Finance, with clear supporting analysis.
- Review month-end close for a number of associated companies, as forwarded by the accounting team (i.e. 3 people) then co-ordinate and oversee the consolidation process.
- Build and maintain Excel reports and analyses, including pivot table and X-lookup–based portfolio and variance reporting.
- Support financial statement & portfolio (lender) audits, year-end reporting,



annual budget and ad hoc analysis for senior leadership.
- Manage and support staff as they prepare and navigate leveragability and reporting matters – assisting in complex scenarios and escalating with recommendations when necessary.
- Manage and maintain Lender relationships along with reporting and ad hoc inquiries.
- Prepare any number of ad-hoc analysis stemming from various sources (audit findings, staff questions, etc.) to identify systemic and process improvements, making recommendations, and executing on solutions.

Qualifications

- CPA designation (or progress toward it) preferred; degree in accounting or finance.
- 5+ years of accounting experience, ideally in mortgage lending, private lending, or financial services.

Assets

- Strong understanding of loan leveragability and hands-on experience managing a borrowing base.
- Experience calculating loan loss provisions or expected credit losses; familiarity with IFRS 9 or ASPE is an asset.
- Proficiency in Salesforce.
- Advanced Excel skills are an asset, knowledge of pivot tables and X-lookup is mandatory.
- Experience reviewing month-end close across multiple entities.
- Excellent communication skills, with the confidence to present recommendations to senior leadership.
- Self-motivated, highly organized, and able to manage competing deadlines.

What We Offer

- $145,000 - $185,000 annual salary
- 3 weeks of paid vacation per year
- Health and dental benefits after successful completion of a 3-month probationary period
- Potential conversion to permanent full time employment at the end of the 16-month term

How to Apply
Please send your resume and a brief cover letter to [email protected]. We thank all applicants for their interest; only those selected for an interview will be contacted.

Pay: $145,000.00-$185,000.00 per year

Benefits:

- Casual dress
- Dental care
- Extended health care
- Life insurance
- In office parking
- Paid time off
- Work from home

Work Location: Hybrid remote in North York, ON M3J 2P5

📌 Accountant - Mortgage Lending (North York)
🏢 Important Group
📍 North York