Senior Commercial Mortgage Underwriter

This position is responsible for underwriting and adjudication of new and existing commercial loans.


  • Evaluate and recommend decisions on commercial credit applications prepared by branches/CRMs
  • Review and confirm credit rating assessments for new applications, renewals and loan reviews
  • Perform/review yearly Real Estate Exposure Stress Test and LTV Guideline Review and report to ELC/CEO for approval
  • Review new commercial appraisal applications
  • Recommend and implement improvements on Bank’s commercial loan guidelines or procedures
  • Prepare, coordinate and document PLC or ELC meetings.
  • Coordinate Parent Bank or BOD approval request if necessary.
  • Provide opinion on prior consultation requests from branches or CRM
  • Review new commercial appraisal applications and request approval for registration on the Bank’s list
  • Actively participate in team meetings and coaching process
  • Compile or review various reports compiled by Credit Associate
  • Review reports, proposals and data analysis prepared by Credit Planning
  • Other duties as assigned

Education and Work Experience Requirements:

  • Bachelor’s degree in a related field, or equivalent combination of education and related experience required
  • 4 -7 years’ related experience in commercial underwriting and adjudication in Canadian financial institution
  • Credit underwriting and adjudication experience
  • Experience working with internal auditors

Language Requirements:

Required: English

Preferred: Korean

Job Related Competencies:

  • Knowledge of Administration processes, practices and procedures
  • Planning and Organizing
  • Risk, compliance and audit mindset
  • Canadian laws and regulations
  • Local market knowledge
  • Knowledge of Policy Development processes
  • Project management
  • Judgment/ Analytical thinking
  • Information/ Data seeking
  • Attention to detail and quality

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