Bilingual Manager - Commercial Real Estate Underwriting
About the job
- Bilingualism in French and English is required.
- At least 2 years of commercial mortgage experience and/or single-family residential underwriting experience is required.
- Post-secondary education (diploma or degree), preferably in business or finance, is preferred.
- Working knowledge of Microsoft Office, primarily Word and Excel, is required.
- Effective analytical and problem-solving skills are required.
- A strong business sense and technical knowledge of secured lending and factors affecting the commercial mortgage market are required.
- Organizational and time-management skills are required.
- Ability to handle multiple competing priorities while providing customer service is required.
- Oral and written communication skills are required.
- Availability and willingness to attend broker-related events as required, sometimes after hours, is required.
- Access to a vehicle for property site inspections is required.
- Analyze and underwrite conventional commercial mortgage credit facilities and perform related credit-administration duties.
- Follow established lending guidelines, policies, procedures, compliance controls, and regulatory requirements, and submit recommendations to management for approval.
- Ensure lending criteria are satisfied and outstanding documentation and funding conditions are completed on time.
- Coordinate with internal contacts, including funders, managers, administrators, and commercial sales staff, and external contacts, including lending partners, mortgage brokers, clients, solicitors, appraisers, and consultants, to process transactions efficiently and meet service and funding deadlines.
- Conduct property site or drive-by inspections as needed for individual deals.
- Review and manage the assigned deal pipeline and prioritize work to meet deadlines.
- Complete monthly departmental and company administration and reporting duties used by senior management.
- Manage assigned deals from the assignment stage through funding and post-funding follow-up.
Les responsabilités !
- 50 % du temps : Le titulaire analyse et souscrit des dossiers de crédit commercial, en plus d’assumer diverses tâches administratives liées au crédit, principalement pour des prêts hypothécaires commerciaux conventionnels. Il doit veiller au respect rigoureux des politiques et critères de prêt de la Banque, et soumettre ses recommandations pour approbation à la direction. Il est également responsable de s’assurer que toutes les conditions de financement sont respectées et que la documentation requise est complétée dans les délais.
- 30 % du temps : Le titulaire assure une coordination étroite avec les intervenants internes (équipes de financement, gestionnaires, administrateurs, équipes de ventes commerciales) ainsi qu’externes (partenaires prêteurs, courtiers hypothécaires, clients, notaires, évaluateurs et consultants) afin de garantir un traitement efficace et rapide des dossiers, dans le respect des échéanciers de financement et des standards de service. Des visites de propriétés ou inspections sommaires peuvent être requises selon les dossiers.
- 15 % du temps : Le titulaire gère activement son pipeline de dossiers, en assurant un suivi rigoureux et une gestion efficace des priorités afin de respecter les délais établis.
- 5 % du temps : Le titulaire est responsable de certaines tâches administratives et de production de rapports mensuels pour le département et l’organisation, lesquels sont utilisés par la haute direction pour le suivi des activités.
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50% on a daily basis, the incumbent will analyze and underwrite commercial credit facilities together with additional credit related and administrative duties, for conventional commercial mortgage product types. Attention must be made to ensure that compliance with the company’s established lending guidelines and procedures are followed with recommendations submitted for approval to management. The incumbent is responsible to ensure all lending criteria have been satisfied on deals underwritten and outstanding documentation/conditions, if any, are being met in a timely manner.
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30% on a daily basis, the incumbent will communicate with internal contacts (funders, managers, administrators, and commercial sales staff) as well as external contacts (lending partners, mortgage brokers, Clients, solicitors, appraisers and consultants) to ensure transactions are processed in a timely and efficient manner in order to deliver superior customer service and funding deadlines. Site inspections of properties or drive-by inspections may be required, on a deal-to-deal basis.
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15% on a daily basis, the incumbent is responsible for pipeline review and time management of their deal flow in order to meet prescribed deadlines.
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5% on a monthly basis, the incumbent will be responsible for various administration and reporting duties required for the department/Company, which will be relied upon by Senior Management.
Exigences et compétences
- Le bilinguisme (français et anglais) est requis
- Solides compétences en souscription, avec un minimum de 2 ans d’expérience en prêts hypothécaires commerciaux et/ou en souscription résidentielle
- Expérience démontrée en prestation d’un excellent service dans son domaine
- Formation postsecondaire (diplôme ou baccalauréat), idéalement en administration des affaires ou en finance
- Bonne maîtrise des outils Microsoft Office, principalement Word et Excel
- Excellentes capacités d’analyse et de résolution de problèmes
- Bon sens des affaires combiné à une connaissance technique des prêts garantis et des facteurs influençant le marché hypothécaire commercial
- Excellentes aptitudes en organisation et en gestion du temps
- Capacité à gérer plusieurs priorités simultanément tout en maintenant un haut niveau de service à la clientèle
- Excellentes compétences en communication, tant à l’oral qu’à l’écrit
- Disponible et motivé(e) à participer à des événements liés aux courtiers, au besoin (parfois en dehors des heures de travail)
- Accès à un véhicule pour effectuer des visites ou inspections de propriétés
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Bilingualism is required
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Proficient underwriting skills with a minimum 2 years commercial mortgage experience and/or SFR underwriting experience
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Demonstrated service excellence within their field
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Post-secondary education (diploma/degree) preferred , preferably in business or finance
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Good working knowledge of MS Office (primarily word and excel)
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Effective analytical and problem solving skills
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Strong business sense combined with sound technical knowledge of secured lending and factors affecting the commercial mortgage market
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Excellent organizational and time management skills
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Ability to handle multiple competing priorities while providing optimal customer service
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Excellent communication skills, both oral and written
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Ability and desire to attend broker related events as required (often, after hours)
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Access to a vehicle for site inspections
Knowledge/Skill Requirements:
Complexité du poste et imputabilité
Job Complexities
The position requires the incumbent to be a self-starter and make sound underwriting decisions as efficiently as possible. Commercial mortgage applications can be complex in nature, requiring creative and innovative thinking and proactive problem solving. 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. In some cases, viability is assessed with limited access to information or documentation.
Accountability
The incumbent will operate under direct management from the Manager, Commercial Credit; however, you will also work closely with all members of the Commercial Mortgage Team. The accountability of the incumbent falls mainly within the parameters of their daily duties, managing their own deal flow as assigned by management (from assignment stage to post funding). The overall success of the department relies on the level of efficiency and service provided by the incumbent.
Interactions & conditions de travail
Key Internal and External Contacts
The incumbent will communicate daily with management, staff within the department and company, as well as external contacts (clients, mortgage brokers, Lending Partners, etc.).
Physical Demands / Working Conditions
Normal office environment with no physical demands; however there is substantial pressure, at times, placed on the incumbent due to the time sensitivity of each transaction and the level of volume faced daily. Hybrid work is expected with 1-5 days in person depending on the level and seniority of the role.
About the company
Preparing company summary.
Company Size
51-200
Company Stage
IPO
Headquarters
Toronto, Canada
Founded
1970
Get referred to Equitable Bank
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Simplify's Take
What believers are saying
- Q3 2026 revenue rose 27% year over year, despite only one month of PC Financial.
- EQB targets $30 million annual run-rate synergies; $15 million already achieved by August 2026.
- Investor Day on December 7, 2026 will showcase broader products, scale, and 2027 return targets.
What critics are saying
- Q3 2026 provisions jumped $219 million from PC Financial credit cards and real-estate stress.
- Housing and commercial real estate losses stay elevated; management expects normalization only in 2027-2028.
- Integration failure would destroy PC Financial synergies and expose EQB to Loblaw partnership concentration.
What makes Equitable Bank unique
- EQB completed PC Financial on July 1, 2026, serving nearly 4 million Canadians.
- EQ Bank owns Loblaw's exclusive PC Optimum banking partnership with 18 million members.
- EQB's digital-first challenger model combines EQ Bank, mortgages, deposits, credit cards, insurance.
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Benefits
- Competitive Discretionary Bonus
- 401(k) Company Match
- Health Insurance
- Dental Insurance
- Vision Insurance
- Life Insurance
- Disability Insurance
- Employee Stock Purchase Plan
- Parental Leave
- Unlimited Paid Time Off
- Professional Development Budget
Company News
EQB Inc. appoints Vivian Abdelmessih to the Board of Directors. Oct 16, 2026, 17:30 ET Kishore Kapoor, current EQB Board member and Chair of the Risk & Capital Committee, to step down effective January 1, 2027 TORONTO, Oct. 16, 2026 /PRNewswire/ - The Board of Directors of EQB Inc. and Equitable Bank (collectively "EQB") today announced that it will appoint Vivian Abdelmessih to the Board of Directors and Chair of the Board's Risk & Capital Committee. Ms. Abdelmessih is a seasoned risk management and financial services executive with extensive experience in enterprise risk management, capital oversight, regulatory compliance and corporate governance. Throughout her career, she has advised and led organizations through complex strategic, regulatory and operational challenges, developing a reputation for disciplined decision-making and strong governance oversight. She currently serves on the First Capital Real Estate Investment Trust Board and the Scientific Games Board and is the Chair of the Export Development Canada Board. She is also the incoming President and CEO of the Global Risk Institute. This change will be effective immediately. "We are delighted to welcome Vivian to the Board and to appoint her as Chair of the Risk & Capital Committee," said Mike Pedersen, Chair of the Board of Directors, EQB Inc. "Vivian brings deep expertise in risk governance and a proven track record of leadership in highly regulated financial institutions. Her experience and insight will complement the Board's existing strengths and will be invaluable as EQB continues to execute its growth strategy while maintaining its longstanding commitment to prudent risk management." Additionally, EQB is announcing that after 10 years of dedicated service, Kishore ("Kish") Kapoor has chosen to step down from the Board in January 2027, confident in EQB's strength and believing the time is right for an orderly succession. Mr. Kapoor remains a committed shareholder. "Kish has been a tremendous partner to management and has helped shape the strong risk culture that exists at EQB today," said Chadwick Westlake, President and Chief Executive Officer of EQB. "We are deeply grateful for his many contributions, including the vital role he played in strengthening the company's overall governance, risk oversight and financial stewardship throughout several pivotal moments in our journey." Mr. Kapoor most recently served as Chair of the Risk & Capital Committee and previously served as Chair of the Audit Committee, helping guide EQB through a period of significant growth, transformation and value creation. The Board thanks Mr. Kapoor for his significant service and leadership over the past 10 years and looks forward to benefiting from Ms. Abdelmessih's contributions as EQB continues to advance its strategy and deliver value for its customers, shareholders and other stakeholders. About EQB Inc. EQB Inc. (TSX: EQB) is a leading Canadian financial services company with approximately $151 billion in combined assets under management and administration. It is the parent company of Equitable Bank, the country's seventh largest Schedule I bank by assets, which operates EQ Bank, Canada's Challenger Bank(TM). Our purpose is to remake banking so every Canadian gets ahead, every day. Since 1970, we have built thoughtful financial solutions that serve more than 4 million customers, turning everyday moments into meaningful progress. As the exclusive financial partner of Loblaw Companies Limited's PC Optimum(TM) loyalty program - one of Canada's largest loyalty programs with more than 18 million members - EQ Bank's financial solutions are deeply embedded into the daily lives of Canadians. We provide personal and commercial banking services to Canadian households and businesses through everyday banking, tailored lending and connected payments, while fueling competition and choice in Canadian banking. Through our subsidiaries, we also offer home and auto insurance, estate and trust services, credit union solutions and alternative asset management. To learn more, visit eqb.investorroom.com and eqbank.ca, or connect with us on Instagram, Facebook or LinkedIn. Investor contact: Lemar Persaud SVP, Investor Relations & Enterprise Performance Management [email protected] Media contact: Danielle Mason Director, PR & Communications [email protected] Forward-Looking Information This news release may contain forward-looking statements that reflect EQB's current expectations about its future performance and capabilities. These statements are made based on assumptions and estimates and are subject to risks and uncertainties. Actual future results could differ materially from those currently anticipated. The statements are not guarantees of future performance. EQB does not undertake any obligation to update or publicly revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except to the extent required under applicable securities laws. SOURCE EQB Inc.
Equitable Bank has issued €500 million in covered bonds, worth about C$797 million, to diversify its funding sources. The bonds carry a 3.75% coupon, are priced to yield 3.789%, and mature on December 7, 2029. The offering is the seventh under the bank's C$3.0 billion Global Legislative Covered Bond Programme, launched in 2021. Moody's rated the bonds Aa1 and Fitch rated them AA+. Chief financial officer Anilisa Sainani said the bank is pleased with continued strong investor backing. The issue follows Equitable's acquisition of PC Financial. Barclays Bank, The Toronto-Dominion Bank, and Commerzbank were among the institutions involved.
EQB (TSE:EQB) shares down 10.3% - here's what happened. August 27, 2026 Key points. * EQB shares fell 10.3% to C$123.66, with trading volume 132% above the average. The stock's market capitalization is approximately C$4.40 billion. * Analysts maintain a generally positive outlook, with six Buy ratings and five Holds; the average price target is C$138.10, above the latest trading price. * EQB reported quarterly earnings of C$2.12 per share and C$393.04 million in revenue, while raising its quarterly dividend to C$0.61 per share, or C$2.44 annually. * MarketBeat previews top five stocks to own in September. EQB Inc. (TSE:EQB - Get Free Report)'s share price dropped 10.3% on Thursday. The company traded as low as C$121.80 and last traded at C$123.66. 275,833 shares traded hands during trading, an increase of 132% from the average daily volume of 118,962 shares. The stock had previously closed at C$137.87. Analysts set new price targets. Several equities analysts have weighed in on the company. TD increased their price objective on EQB from C$123.00 to C$154.00 and gave the company a "buy" rating in a report on Friday, August 14th. Desjardins increased their price target on EQB from C$132.00 to C$155.00 and gave the stock a "buy" rating in a research note on Wednesday, August 5th. Jefferies Financial Group lifted their price objective on EQB from C$122.00 to C$129.00 and gave the stock a "hold" rating in a report on Thursday, August 13th. National Bank Financial boosted their price objective on EQB from C$120.00 to C$143.00 and gave the company a "sector perform" rating in a research note on Thursday, August 13th. Finally, Raymond James Financial increased their target price on shares of EQB from C$123.00 to C$136.00 and gave the stock a "sector perform" rating in a research report on Thursday, August 13th. Six research analysts have rated the stock with a Buy rating and five have given a Hold rating to the company's stock. Based on data from MarketBeat.com, the company presently has an average rating of "Moderate Buy" and an average price target of C$138.10. EQB stock down 10.0%. The stock has a market cap of C$4.40 billion, a PE ratio of 24.39, a P/E/G ratio of 0.34 and a beta of 0.92. The firm has a 50-day simple moving average of C$136.91 and a 200-day simple moving average of C$123.50. EQB (TSE:EQB - Get Free Report) last announced its quarterly earnings results on Wednesday, August 26th. The company reported C$2.12 earnings per share for the quarter. The company had revenue of C$393.04 million during the quarter. EQB had a return on equity of 6.16% and a net margin of 6.61%. On average, research analysts expect that EQB Inc. will post 12.5988235 earnings per share for the current year. EQB increases dividend. The firm also recently announced a quarterly dividend, which was paid on Tuesday, June 30th. Investors of record on Tuesday, June 30th were given a dividend of $0.61 per share. This represents a $2.44 annualized dividend and a yield of 2.0%. This is a positive change from EQB's previous quarterly dividend of $0.59. The ex-dividend date was Monday, June 15th. EQB's dividend payout ratio (DPR) is presently 44.01%. Insider buying and selling. In other news, insider Loblaw Companies Limited acquired 8,000 shares of the company's stock in a transaction on Monday, July 20th. The stock was bought at an average cost of C$141.57 per share, with a total value of C$1,132,560.00. Following the completion of the purchase, the insider directly owned 1,250,100 shares of the company's stock, valued at C$176,976,657. This represents a 0.64% increase in their ownership of the stock. Also, insider Gavin Stanley sold 900 shares of the stock in a transaction that occurred on Tuesday, July 7th. The stock was sold at an average price of C$137.37, for a total value of C$123,633.00. Following the completion of the sale, the insider owned 2,238 shares in the company, valued at approximately C$307,434.06. The trade was a 28.68% decrease in their ownership of the stock. In the last 90 days, insiders purchased 46,100 shares of company stock valued at $6,479,348 and sold 7,484 shares valued at $1,069,719. 29.02% of the stock is owned by company insiders. EQB company profile. EQB Inc formerly Equitable Group Inc trades on the Toronto Stock Exchange TSX: EQB and EQB.PR.C and serves over 360000 Canadians through its wholly owned subsidiary Equitable Bank Canadas Challenger Bank. Equitable Bank has grown to become the countrys eighth largest independent Schedule I bank with a clear mandate to drive real change in Canadian banking to enrich peoples lives. At Equitable Bank we are as invested in our employees as we are in our business. Thats why we are consistently recognized as one of Canadas Top Employers a rating that comes from our 1300+ employees. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Continue following MarketBeat Before you consider EQB, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and EQB wasn't on the list. While EQB currently has a Moderate Buy rating among analysts, top-rated analysts believe these five stocks are better buys. 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EQB Inc. has appointed Daniel Rethazy as Executive Vice President, Personal Banking, effective 6 April 2026. Rethazy will oversee a unified Personal Banking business integrating residential lending, deposits and the EQ Bank digital platform. Subject to regulatory approval, he will also manage products and channels from EQB's announced acquisition of PC Financial, including the long-term strategic relationship with Loblaw Companies for EQ Bank to become the exclusive banking partner for the PC Optimum programme. CEO Chadwick Westlake described Rethazy as "a generational talent in Canadian banking", noting his experience will accelerate growth for EQB's Personal Banking franchise. The appointment reflects EQB's strategy to compete as a digital-first challenger in Canadian banking whilst scaling operations and strengthening its market position.
Equitable Bank highlights efforts towards strengthening Canada's economy and communities in 2025 Public Accountability Statement. by ahnationtalk on March 13, 2026 TORONTO, March 13, 2026 - Equitable Bank today released its Public Accountability Statement (PAS) for fiscal 2025, highlighting its continued commitment to strengthening Canada by supporting greater competition in banking, bringing innovation and value to underserved customers, and focusing lending efforts on critical areas like affordable housing to help strengthen the economy. "Canada is at a defining moment as we think about the economy and country we want to build for the future," said Chadwick Westlake, President and CEO. "As Canada's Challenger Bank, we believe we have a responsibility to play a meaningful role by strengthening competition in banking, delivering more accessible, affordable and innovative financial services, and investing in people and initiatives that help make Canada and the communities we serve stronger." The Bank is proud to release its annual PAS that outlines its impact on Canadian communities and society at large, grounded in its five core values of respect, integrity, service, empowerment and agility. Highlights for 2025 include: * Championing competition, innovation and inclusion - Continued its track record for fostering financial inclusion and competition by offering high-interest, no-fee everyday banking products to help more Canadians access an accessible and rewarding banking experience, including launching the Notice Savings Account in Québec in 2025 * Contributing to affordable housing - Maintained its position as Canada's largest securitizer of Canada Mortgage and Housing Corporation-insured multi-unit residential loans, funding $3.5 billion in multi-unit residential properties across Canada as of 2025 to support housing density and supply through affordable, energy efficient and accessible housing * Championing small business owners and self-employed Canadians - Publicly launched the EQ Bank Business Banking platform, including its innovative high-interest and no monthly fees Business Account specifically designed to support the unique needs of entrepreneurs, while continuing to lend with a focus on self-employed Canadians who often face barriers in achieving aspirations for homeownership * Supporting Canadian seniors and near-retirees - Expanded access to reverse mortgages, giving this group a financial tool that offers greater flexibility and helps them remain in the communities that matter to them in retirement * Embedding inclusion into the employee experience - Advanced Employee Resource Groups as drivers of connection, engagement, and representation, including The Black Collective, the Green Team, the Indigenous ERG, Newcomers to Canada, PROUD, and Women in Tech * Expanding corporate citizenship - Contributed more than $1 million in donations and sponsorships that went to community partners including Madison Community Services, Fred Victor and the George Brown Foundation About Equitable Bank Equitable Bank has a clear mission to drive change in Canadian banking to enrich people's lives. As Canada's Challenger Bank(TM) and seventh largest bank by assets, it leverages technology to deliver exceptional personal and commercial banking experiences and services to over 800,000 customers and more than six million credit union members through its businesses. It is a wholly owned subsidiary of EQB Inc. (TSX: EQB), a leading digital financial services company with $142 billion in combined assets under management and administration (as at January 31, 2026). Through its digital EQ Bank platform (eqbank.ca), its customers have named it one of the top banks in Canada on the Forbes World's Best Banks list since 2021. Investor contact: Lemar Persaud VP and Head of IR [email protected] Media contact: Maggie Hall Director, PR & Communications [email protected] | Clients: | No Clients |