Senior Underwriter (Real Estate)

Résumé du poste

The Senior Underwriter manages the risk of the financing portfolio by preparing commercial credit files and performing detailed financial and risk analyses. They are responsible for underwriting new transactions, conducting annual reviews, and ensuring compliance with bank policies and legislation.

Détails du poste

Founded in Montreal in 1846, Laurentian Bank is committed to serving its customers and fostering deep relationships with specialized groups. Laurentian Bank runs operations across Canada – primarily in Québec and Ontario – as well as in the United States and competes where it sees market opportunity and has an edge, while harnessing the power of partnerships and collaboration. This role sits within Laurentian Bank. The Senior Underwriter will assist the Senior Manager in the risk management of the financing portfolio. Within the Commercial Banking Group, the candidate will be required to assimilate the knowledge necessary to understand, prepare and write commercial credit files. With input into business model analysis, financial analysis, risk analysis and collateral evaluation. The Senior Underwriter will act as a key resource to the Account Manager and the Assistant Vice President. Responsibilities Input client financial statements and financial projections into the risk rating tool. Perform financial analysis from the financial statements and projections, perform sensitivity analysis and make comparisons with industry standards for the sector. Identify and analyze risks associated with the client's business. Complete underwriting of new transactions, annual file reviews and amendments within prescribed time frames. Follow up on client portfolio irregularities and collateralization in accordance with credit authorization requirements. Participate in meetings or conference calls with clients. Be involved in integrity and compliance processes (code of conduct, internal policies). Performs work according to specific practices, policies and objectives while complying with applicable legislation, Bank policies, programs and procedures. Qualifications University education in an appropriate field, Finance or Accounting and other related field Minimum of 3 to 5 years experience in a related field Intellectual curiosity and critical thinking skills. Strong interest in Finance and good analytical skills. Attention to detail and meticulousness. Ability to produce quality written correspondence. Sense of collaboration and proactive spirit Good resourcefulness and ability to manage priorities. Ability to manage multiple files/projects simultaneously. Good oral and written communication skills Knowledge of the Office suite. What Laurentian Bank Has To Offer You The total compensation offered by Laurentian Bank encompasses a comprehensive range of benefits, highlighting our commitment to the well-being and success of our employees. Here are some of the key points of our offering: The actual annual base salary offered will take into account internal equity, skills, and experience among other factors. Total compensation: Earn a comprehensive compensation package that includes annual reviews and performance-based bonuses. Work model: We prioritize a hybrid work model based on business needs. Stock purchase plan: Become not just an employee, but a Laurentian Bank shareholder. Employer matching takes your investment even further. Time off: In addition to paid vacation, we provide floating days and leave options to accommodate the diverse needs of our employees. Plus, as an extra perk, you also get a paid day off to celebrate your birthday. Health and wellness: Take care of your health and well-being with access to healthcare professionals, our Employee and Family Assistance Program (EFAP), and a Stress Management and Well-Being Program. Group insurance and pension: We offer a competitive insurance program based on your family’s needs and a defined contribution pension plan to help prepare for your future. Financial benefits: As a Laurentian Bank employee, you’re also the best ambassador for our products and services. Take advantage of employee-only offers on a wide range of products. Enjoy exclusive deals and preferred rates on products and services including insurance, hotels, train tickets, spas and many more. We are committed to creating a fulfilling professional environment where your skills are valued, and your well-being is a priority. Join us for a rewarding career at Laurentian Bank. Inclusion and Accessibility At Laurentian Bank, we believe everyone belongs. We are committed to fostering an inclusive work environment that reflects the diversity of our customers and our communities and where everyone feels like they belong and can thrive. To this end, we encourage applications from individuals from equity-deserving groups, including Indigenous persons, racialized and persons with disabilities, marginalized genders and the 2SLGBTQIA+ community. We strive to offer a flexible and accessible work experience that is inclusive of everyone. If at any time you need an accommodation, please let us know. PIPEDA We may collect, use or disclose your personal information for the purpose of establishing an employment relationship with you. We also use artificial intelligence (AI) tools during parts of our recruitment process to support fair and efficient hiring decisions.

Ce que vous ferez

The Senior Underwriter manages the risk of the financing portfolio by preparing commercial credit files and performing detailed financial and risk analyses. They are responsible for underwriting new transactions, conducting annual reviews, and ensuring compliance with bank policies and legislation.

Exigences

Candidates must have a university degree in Finance, Accounting, or a related field with 3 to 5 years of relevant experience. Strong analytical skills, attention to detail, and the ability to manage multiple projects simultaneously are required.

Avantages

• Annual Reviews • Performance-based Bonuses • Stock Purchase Plan • Employer Matching • Paid Vacation • Floating Days • Paid Birthday Off • Healthcare Professionals Access • Employee and Family Assistance Program (EFAP) • Stress Management and Well-Being Program • Group Insurance • Defined Contribution Pension Plan • Employee Discounts

Compétences indiquées

• written communication · Souhaitée
• Compliance · Souhaitée
• Risk Management · Souhaitée
• Critical Thinking · Souhaitée
• Analyse financière · Souhaitée
• Microsoft Office Suite · Souhaitée
• Priority Management · Souhaitée

Autres compétences pertinentes

Relevées dans la description du poste. Confirmez les exigences importantes ci-dessus.

• Financial Analysis
• Risk Management
• Credit Underwriting
• Sensitivity Analysis
• Collateral Evaluation
• Business Model Analysis
• Risk Rating Tools
• Compliance
• Written Communication
• Priority Management
• Microsoft Office Suite
• Critical Thinking

Domaines d’emploi

• Finance & Accounting
• Management & Leadership