Reporting to the Assistant Vice President and Regional Director, the Senior Mortgage Officer is responsible for assisting the Montreal Mortgage team in growing a portfolio of high-quality commercial mortgage loans in Quebec by identifying and sourcing new opportunities in the market and by structuring, negotiating and underwriting new loan opportunities in accordance with Manulife’s investment guidelines, policies, and procedures. 

Position Responsibilities:

Origination & Underwriting

• Source, review, and underwrite commercial mortgage loan opportunities, typically $10 million and above, for presentation to senior management and credit committees.

• Perform in-depth analysis of property cash flows, market conditions, property valuation and borrower financials to recommend appropriate loan structures, terms, and covenants.

• Lead the preparation of comprehensive credit submissions that clearly outline deal merits, risks, and mitigants.

• Ensure transactions are completed efficiently while maintaining prudent risk management standards.

Deal Execution & Closing

• Collaborate with centralized closing teams, legal counsel, and clients/brokers to ensure seamless transaction execution.

• Negotiate loan documentation, terms, and conditions in line with approved structures.

• Oversee completion of due diligence, including property condition assessments, environmental reports, and lease reviews.

Portfolio Management & Risk Oversight

• Monitor an assigned portfolio to ensure ongoing compliance with loan agreements, proactively addressing borrower requests, covenant breaches, or emerging risks.

• Conduct periodic loan reviews, property inspections, and market assessments to maintain portfolio quality.

• Assist in the restructuring or workout of loans as needed.

Market & Relationship Development

• Establish and maintain strong relationships with borrowers, mortgage brokers, real estate professionals, and other industry contacts to generate new business opportunities.

• Stay current on commercial real estate market trends and competitive offerings.

• Represent Manulife at industry events and professional associations.

Mentorship & Leadership

• Provide guidance and review support for junior underwriters and analysts, ensuring adherence to underwriting best practices.

• Share market insights and technical expertise to strengthen team capabilities.

Required Qualifications:

• Minimum 7 years of progressive commercial mortgage underwriting experience, including large and complex deals.

• Post-secondary education in Business, Finance, Real Estate, or a related field.

• Bilingual (French & English) is required - The successful candidate will be required to communicate in English and French in order to support clients from various jurisdictions outside of Quebec.

Preferred Qualifications:

• Professional designations such as CFA, AACI, EA or similar are strong assets.

• Advanced financial analysis and cash flow modeling skills, with a strong mathematical aptitude.

• Extensive knowledge of commercial real estate sectors (office, multi-family, retail, industrial) and current market trends.

• Proven ability to structure deals that balance commercial objectives and prudent risk management.

• Exceptional negotiation, interpersonal, and relationship management skills.

• [High proficiency with MS Office (Excel, Word, PowerPoint).

• Ability to manage multiple high-priority transactions and deadlines with precision and accuracy.

When you join our team:

• We’ll empower you to learn and grow the career you want.

• We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.

• As part of our global team, we’ll support you in shaping the future you want to see.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html.

Manulife is an Equal Opportunity Employer

At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.

It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact recruitment@manulife.com.

Referenced Salary Location

Salary range is expected to be between

If you are applying for this role outside of the primary location, please contact recruitment@manulife.com for the salary range for your location. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance.

Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence. If you are applying for this role in the U.S., please contact recruitment@manulife.com for more information about U.S.-specific paid time off provisions.