Investment Officer

About the role

The Reporting to the AVP, the Investment Officer is responsible for the origination and management of profitable commercial mortgage loan investments within the Company’s established risk and return parameters. This role involves marketing mortgage products to source high-quality lending opportunities with yields aligned to underlying liabilities. The Investment Officer leads the full transaction lifecycle, including sourcing, structuring, underwriting, and recommending investments for approval, while also supporting portfolio management activities to protect asset quality and minimize losses.

Responsibilities

• Originate, analyze, negotiate, underwrite, and close commercial mortgage investments that meet established yield and portfolio objectives. This includes market analysis, collateral appraisal, underwriting, and structuring.
• Marketing and placement of commercial mortgage loans with borrowers, correspondents, and brokers.
• Present and recommend targeted loan opportunities for approval to Credit Team and senior management.
• Conduct annual loan reviews with financial, market and security analysis, to update the credit rating for each mortgage in our portfolio.
• Collaborate with Branch staff, key partners across offices (including Boston and Toronto home offices) as well as Loan Administration and Collateral Review Teams on mortgage loans in the portfolio, as directed by the regional AVP.
• Structure transactions, negotiate loan terms, and develop pricing strategies consistent with Company standards.
• Support Mortgage Portfolio Administration, Including Monitoring and addressing problem loans (arrears, restructurings/workouts)
• Coordinating with Collateral Review and legal teams
• Renewing and retaining high-quality performing loans
• Engage with the Closing Team to facilitate loan closings and with the Post-Closing Team to address borrower requests during the life of loans

Qualifications

• Minimum 5 years of commercial mortgage loan experience with a background in origination, portfolio, and asset management.
• Previous experience with a life insurance company, bank or credit role is a plus.
• Bachelor’s degree required; advanced degree in business, finance, economics, commercial real estate, or related field preferred.
• Strong knowledge of mortgage lending, including documentation, credit standards, and underwriting principles.
• Knowledge of forms of mortgage loan documentation, the ability to analyze cash flows/complete spreadsheet-based financial modeling, an understanding of commercial real estate market conditions, loan rating methodology, and appraisal techniques.
• Additional skills include deal sourcing, marketing, relationship management, loan document negotiation, due diligence coordination and financial statement analysis.
• Solid understanding of real estate law, lease structures, and loan documentation.
• General understanding of macroeconomic trends, capital markets, AI concepts and use cases, and financial analysis.