Job descriptionRole Overview As an Associate Director (AD), you will support Directors in the Bank’s Real Estate Markets group, analyzing and underwriting new loan requests using the Bank’s Risk Assessment Framework (RAF), Financial Analysis, Credit Tools/Newton, and Commercial Credit Request (CCR). You will partner with Directors to understand credit needs, risk profiles, and drive credit process initiatives.
Key Responsibilities
Focus on financing requests in the GTR real estate debt markets, supporting construction development real estate project asset classes and income‑producing assets using lending products.
Provide Directors with specific deal support for bilateral and syndicated senior secured loans, including budgetary analysis, cash flow analysis, sensitivity analysis, financial statements analysis, market analysis, credit underwriting, and funding.
Support Directors in the credit sales process end‑to‑end, participating in discussions with key stakeholders and underwriting capital commitment term sheets, client term sheets, and risk management framework.
Provide portfolio quality management oversight related to managing credit expiries, out‑of‑orders, and loan maturities.
Drive team priorities related to Strategic Limit Review management, connecting with clients and stakeholders to strengthen the bank’s presence within the real estate network.
Required Skills & Qualifications
Client focus and client‑first attitude.
Experience in real‑estate market banking, financial statement and underwriting analysis.
Strong real‑estate market analytical skills, understanding of financial concepts and applications.
Advanced computer skills (especially Microsoft Excel).
Excellent written and verbal communication skills.
Independent worker and team player with a positive attitude.
Motivated proactive thinker with detail‑oriented and creative problem‑solving approach.
Ability to quickly learn programs and systems employed by the Bank.
Commitment to the bank’s goals and core values.
Nice‑to‑Have
3+ years’ experience in development/construction real‑estate underwriting (lending preferred).
MBA, Accounting designation (CPA), or Chartered Financial Analyst (CFA).
Strong industry / market knowledge of the commercial real‑estate sector.
Job Skills Adaptability, Business Development, Client Centricity, Communication, Critical Thinking, Curious Mindset, Financial Acumen, Practice Management.
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