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TITLE
SALARY RANGE
$75,000 - $85,000

CASH BONUS
Discretionary

THE PERKS

3 weeks of vacation

LOCATION
Toronto, ON

THE OFFICE
Permanently In-Office

TEAM SIZE
4 people

THE ROLE
A key contributor role managing the financial servicing and administration of commercial mortgage portfolios across multiple loan types and provinces.

Loan Documentation & Analysis (30%)

Financial Operations & Trust Administration (30%)

Process Improvement & Training (20%)

THE TASKS
Loan Documentation & Analysis

Review and interpret commercial mortgage loan documentation and input loan parameters into servicing systems to ensure accurate financial tracking and reporting

Analyze and process complex borrower transactions including loan renewals, extensions, amendments, assumptions, and advances, assessing financial and contractual implications

Prepare and review borrower notices for loan maturities, interest rate step-ups, prepayments, and mortgage discharge statements

Obtain, review, and analyze borrower financial information including rent rolls, operating statements, and net worth statements to assess ongoing financial performance and credit risk

Oversee the work of other analysts for all entry of loans in servicing software in accordance with parameters outlined in loan documents

Provide senior-level support for borrower and investor inquiries by evaluating financial data and contractual obligations to resolve servicing matters

Financial Operations & Trust Administration





Complete trust account administration including reconciling and analyzing monthly mortgage payment collections, movement of money between trust accounts by province and product type, and banking activity

Ensure accurate processing of collections and remittance of principal, interest, and fees to investors

Review and set up flow of funds and banking operations within the banking platform

Analyze and approve reserve disbursements by reviewing supporting financial documentation and ensuring conditions for release are met under loan agreements

Underwrite financial information in line with regulatory and servicing requirements for compliance on loan covenants, reporting requirements, and risk indicators

Act as a senior technical resource during internal and external audits for rating agencies, lenders, servicing agreements, provincial mortgage regulators, and auditors

Oversee the monitoring and remittance of property taxes and insurance renewals, assessing adequacy of coverage and compliance with contractual requirements

Process Improvement & Training

Assist in updating procedure documents, negotiating servicing agreements with potential new lenders, and training current analysts

Serve as the servicing system technology expert, collaborating with the platform and IT implementation team to create operational efficiencies, automations, and updates based on evolving business and regulatory requirements

THE COMPANY
A growing commercial mortgage lender providing financing solutions across all Canadian provinces, with capabilities spanning insured, syndicated, and conventional lending products. The company operates with a lean, entrepreneurial structure and is focused on building its next generation of leadership as the business continues to scale.

THE OPPORTUNITY




Join a tight-knit servicing team at a pivotal growth stage where breadth of exposure across loan types and provinces is built directly into the role. Ideal for someone currently in a larger institution who is looking for broader responsibility, direct interaction with senior leadership, and a clear trajectory toward advancement.

THE EXPECTATIONS TIMELINE PREVIEW
By Month 1

Complete onboarding and document all existing servicing processes, templates, and checklists

Build relationships with key team members, internal stakeholders, and external partners

Gain familiarity with the servicing system, trust account structures, and portfolio composition

By Month 3

Independently manage routine loan documentation entry and borrower transaction processing

Take ownership of trust account reconciliations and payment processing cycles

Develop working knowledge of compliance and regulatory requirements across provinces

Begin reviewing and supporting the work of junior analysts

By Month 6

Manage the full scope of loan servicing responsibilities with minimal oversight

Lead borrower and investor communications independently

Contribute to procedure documentation updates and system improvement initiatives

Support internal and external audit processes as a technical resource

By Month 12

Operate as the senior technical resource within the servicing team

Drive process improvements and automation initiatives across servicing workflows

Mentor and oversee the work of junior analysts on a day-to-day basis

Position for advancement within the evolving team structure

THE SKILL SET

Undergraduate degree in Finance, Accounting, Economics, or Business Administration

A minimum of 3 years of experience in commercial mortgage servicing or administration

Intermediate to advanced proficiency in Microsoft Excel

Experience with AI tools, Python, or VBA is considered an asset

Strong communication skills with the ability to multitask and prioritize competing demands in a fast-paced environment

ONLY QUALIFIED CANDIDATES WILL BE CONTACTED.

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📌 Senior Analyst, Commercial Lending (Ontario)
🏢 Outhire
📍 Ontario