Senior Analyst, Commercial Specialized Financing

About the role

Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, Eden Park and Fig. Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners' growth. With a diverse suite of products-residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending-we offer financial solutions tailored to all Canadians, including newcomers, small-business owners, smart investors and savvy consumers. Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada's leading alternative lending bank. Home Trust: Home Trust Company has developed a track record of success as Canada's leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people. Join Home Trust as an Senior Analyst, Commercial Specialized Financing, reporting to the Vice-President, Commercial Specialized Financing, and be part of our talented and growing team! The Senior Analyst, Commercial Specialized Financing is responsible for evaluating Mortgage Investment Corporation (MIC) and related investment proposals, providing well-supported recommendations that manage risk and ensure regulatory compliance. The role also supports the development and maintenance of strong client relationships to deliver tailored financing solutions. Assist the VP in analyzing investment proposals and preparing decision-ready written recommendations in Term Sheet format, in accordance with Fairstone Bank's policies, guidelines, and overall investment criteria. Support the structuring and evaluation of specialized financing transactions for Mortgage Investment Corporations (MICs) and other mortgage fund-related borrowers. Coordinate the collection, review, and presentation of due diligence materials to facilitate timely and high-quality credit decisions. Collaborate closely with the Underwriting team to ensure service standards are met and funding timelines align with client expectations. Apply consistent, objective, and sound risk assessments in a high-volume, quality-driven environment. Support the achievement of Commercial Specialized Financing business objectives, including new business volume, spread, and profitability targets. Maintain strong awareness of industry developments, competitive dynamics, and market trends. Support the VP in developing and maintaining the Specialized Financing pipeline to enable efficient workflow and timely loan approvals. Prepare and deliver accurate, insightful reporting to Management on the portfolio, pipeline, market trends, competitive landscape, and cost of funds, including ad-hoc reporting as required. Coordinate with internal stakeholders, including ERM, Finance, Treasury, Compliance, and Securitization, to support Commercial-related initiatives and ensure effective cross-functional collaboration. Review and assess documentation submitted by clients and brokers to confirm authenticity and ensure compliance with Fairstone Bank policies, delegated authority limits, and applicable regulatory requirements, including Commercial Underwriting Policies, Commercial Lending Guidelines, Privacy legislation, Anti-Money Laundering and Anti-Terrorist Financing regulations, and internal Anti-Fraud protocols. File Unusual Transaction Reports, as required, in fulfillment of individual obligations to identify, detect, and deter potential financial crime. Support the maintenance of clean OSFI and Internal Audit outcomes for Commercial Originations. Support special projects and other initiatives, as required.

Requirements

• University degree in finance, economics, accounting, business, real estate, or related field.
• Professional accreditation(s) or progress toward certification considered an asset (e.g., MBA, CFA, CBV, CPA).
• 3-5 years of experience in commercial banking, real estate finance, credit, underwriting, or investment analysis.
• Experience in alternative lending is considered an asset.
• Strong understanding of commercial real estate and mortgage lending principles.
• Demonstrated ability to manage multiple priorities effectively in a fast-paced, deadline-driven environment.
• Proven ability to collaborate effectively within a team-oriented

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