Directeur, Prêts immobiliers commerciaux

Who we are:

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 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 a Director, Commercial Real Estate, reporting to SVP, Commercial Real Estate Lending, and be part of our talented and growing team!

About the role:

The Director, Commercial Lending (Originations) is responsible for assessing, evaluating and analysing investment proposals to prepare and present recommendations on a wide variety of commercial mortgage transactions. The candidate will manage workflow in the business unit, develop and maintain business relationships, assist in achieving sales objectives and sustain a strong commercial mortgage portfolio for the company.

Responsibilities

• Work with existing or new origination sources and business partners to source suitable conventional mortgages, CMHC insured mortgages, construction / land development financing, syndicated transactions (participation) and structured mortgage receivable financings that meet HTC’s pricing criteria and risk appetite.

• Assess commercial mortgage transactions in various asset classes including multi-residential, industrial, office, retail, hotel / hospitality, self-storage, land and construction (residential / non-residential) etc.

• Perform initial risk and suitability analysis and screening of investment proposals received and discuss findings with the EVP Commercial Lending.

• Assist in negotiating appropriate pricing and loan structures, commensurate with loan risk, and present mortgage investment opportunities that meet HTC’s requirements.

• Analyze and provide written recommendations in Term Sheet format (decision ready) on investment proposals requiring approval in accordance with HTC’s Policy and Guidelines and general investment criteria.

• Present investment proposals to Commercial Underwriting or to the Credit Risk Transactional Sub Committee (Credit) for decisioning.

• Work closely with direct client base of borrowers to collect and analyze information to issue Letters of Intent and Commitment Letters on transactions where required.

• Collaborate with the Underwriting team to ensure timely response and funding achieved to service client expectations.

• Maintain and evaluate consistent, objective and sound risk assessments in a high volume, quality focused and service oriented environment.

• Assist the EVP, Commercial Lending in achieving all business objectives including new business volume, spread, and profitability targets for Large Commercial.

• Maintain a high level of knowledge of the industry, competition and market trends.

• Develop and maintain agent and direct borrower relationships to build the commercial mortgage business.

• Manage the development and maintenance of the Large Commercial pipeline to facilitate…