Analyste, risque de crédit et stratégies d'investissements, prêts hypothécaires

Are you motivated, independent, and creative in finding innovative solutions? Are you able to prioritize tasks in a constantly changing environment? Are you known for your communication, negotiation, and mortgage investment skills? Then welcome to the team!

iAGMA is the portfolio manager for iA Financial Group and manages assets consisting of general insurance company funds, segregated funds, mutual funds, and managed accounts with a total value of over $110 billion.

Reporting to the Assistant Director, Credit Risk and Investment Strategies, you will work with the four regional offices in Montreal, Quebec City, Toronto, and Vancouver to achieve the mortgage investment objectives of Industrial Alliance and its partners in the Canadian and U.S. markets. This is a demanding position that requires superior communication and negotiation skills, in-depth knowledge of real estate markets, and mastery of commercial real estate valuation methods.

Our future colleague will analyze the credit risk of mortgage financing and propose mitigation measures if necessary. He/she will weigh up the risk/return ratio, negotiate with regional offices to optimize returns, and complete their review of applications. He/she will communicate the credit position, issues, and approval conditions to the relevant managers. He/she will approve recommendations within established limits and, if necessary, present offers to external partners. He/she will also participate in portfolio evaluations, produce internal reports, and represent the company at real estate events.

What you will accomplish with us:

• Analyze the credit risk of mortgage financing, decide on appropriate risk mitigation measures for files, and arbitrate expected return/risk;

• Conduct due diligence and analyze documentation supporting financing applications in conjunction with regional office representatives and other professionals involved in the file: borrower financial statements, loan agreements, leases, appraisal reports, etc.;

• Approve financing applications within the approval limits of regional offices;

• Ensure compliance with mortgage underwriting standards and policies and participate in their updating;

• Communicate and negotiate with regional offices regarding the measures and changes expected to the conditions for approval of the application;

• Oversee the preparation of management information related to loans that have been analyzed, are in the process of being underwritten, and are in effect;

• Follow up on the underwriting process until the loan is disbursed (rate setting, complete documentation, conditions met);

• Monitor developments in the Canadian and U.S. real estate markets.

What could accelerate your success in this position

We are looking for someone who:

• Has a bachelor's degree in business administration (finance or real estate) or economics;

• Three (3) years of experience in an analyst role and/or in the commercial real estate sector;

• Experience in the commercial real estate sector, financing and valuation of commercial properties, and loan underwriting

• Excellent communication and negotiation skills;

• Proficiency in Windows (Excel, Access) and specialized financial software (Argus);

• Advanced knowledge of English, as the person will be negotiating mortgages with English-speaking account managers and communicating daily with English-speaking colleagues or partners across Canada by email and telephone;

• Skills and abilities inherent to the position, including: analytical and synthesis skills, accuracy, ability to work on multiple projects simultaneously while meeting strict deadlines, proactive, team spirit, organizational skills, autonomy, work ethic, and professional integrity.

Why you'll love working with us?

• A work environment where learning and development merge with a collective pursuit of excellence;

• A healthy, safe, equitable, and inclusive environment where potential can be freely expressed and developed;

• The opportunity to work in a hybrid work environment, supported by flexibility and access to inspiring and innovative workspaces.

• Competitive benefits: Flexible group insurance, competitive pension plan, stock purchase plan, vacation and wellness and personal development days, telemedicine, employee and family assistance program, ergonomic furniture program, performance bonuses, discounts on iA products, and more!

Apply now and take control of your career where your talent really counts!

Hesitating to apply?

At iA, we believe in potential and value diverse experiences. If this role inspires you, go ahead and apply—your place may be with us, and we want to get to know you!