Job Description

We are hiring for this position out of our Toronto office. Successful candidates who apply outside of these areas will be expected to relocate and reside in a location that is within a commutable distance.

Role Overview:

This Bilingual (English/French) role is responsible for evaluating and underwriting financial risks by analyzing financial statements and overall health of a loan. It involves assessing the financial health of properties, borrowers, and guarantors, and advising the credit team on repayment capacity and credit risk using financial ratios, occupancy rates, and market data. The position supports commercial loan execution through ensuring compliance with documentation standards based on CMCH requirements. It also includes conducting due diligence, affordable rent tracking, and leveraging financial tools for portfolio analysis. Being a part of MFR Enablement, the role requires strategic communication and continuous process improvement.

About the Qualifications:

A minimum of 1 to 3 years in administration, customer service, commercial CMHC lending, or commercial real estate is mandatory. Excellent comminication in English/French is mandatory. Excellent financial analysis skills. Proficiency in AML and KYC requirements. Strong interpersonal skills with the ability to foster relationships quickly. Highly meticulous and methodical with exceptional organizational skills. Work well under pressure with minimal supervision and thrive in fast-paced and virtual environments. Experience in CMHC lending is an asset. An undergraduate degree in Finance, Accounting, Economics, or Business Administration is an asset.

About the Day-to-Day:

Conduct comprehensive due diligence and ensure compliance with CMHC conditions on existing commercial accounts by performing end-to-end annual reviews. Evaluate financial statements and other property-related documents to determine the financial health of properties in the portfolio, as well as that of borrowers and guarantors. Analyze financial ratios related to debt and mortgages, and accurately assess property valuation. Maintain accurate client contact information within the banking system. Prepare annual review summary and engage with other stakeholders as necessary to highlight critical loan parameters. Communicate with borrowers, brokers, and internal departments via phone and email to provide guidance on products and policies and to gather necessary financial information. Ensure all agreements, certificates, and documents are fully executed and that all CMHC conditions, including AML requirements, are met. Maintain documentation such as annual financial statements and rent rolls for internal and external audit requirements. Facilitate fee collection and coordinate with other departments to ensure the collection of annual review fees.

About us:

Peoples Group is a boutique financial institution with offices located in Vancouver, Calgary, Toronto, and Montreal that has been in the Canadian marketplace for over 35 years. Our mission is to exceed our customers' expectations by providing exceptional customer service backed by extensive product knowledge and experience.



Our culture here at Peoples Group is formed by our values: Trustworthy, Creative, Willing. We believe people don't choose a company to work for, they choose a company to join. We prioritize risk-based practices and procedures in order to remain risk intelligent and compliant. We value people, building relationships, and focusing on strengths; we execute with passion.

About the work environment:

Peoples Group offers a flexible and hybrid work environment. In this role you will work a combination of in-office and remotely from home. Typically, you'll be working regular business hours, Monday to Friday between 8:00am and 4:30pm with flexibility around start/end times.

We offer:

A hybrid work environment, enabling you to balance your personal and professional life seamlessly. Competitive salaries, profit sharing, RRSP matching and benefits from day one. Generous paid time off to help achieve a healthy work-life balance. A strengths-based approach, ensuring we work together more effectively. A commitment to your well-being in five key areas: Financial, Physical, Social, Career, and Community.

Hiring process:

If your application is selected, you will be invited for a first interview with one of our Talent Acquisition Business Partners. Depending on the role, interviews may be conducted virtually or in-person. The hiring team will communicate any in-person requirements throughout the process.

NOTE:

This job posting is for an existing vacancy. Peoples Group is an Equal Employment Opportunity employer. Please accept our utmost appreciation for your interest; however, only those applicants under consideration will be contacted.



We value and celebrate individuality while fostering an inclusive workplace for everyone. If there's any way we can support or accommodate you during the selection process, please don't hesitate to let us know.