The Commercial Mortgage Credit Team plays an integral part in overseeing the credit and underwriting analysis in the origination of Commercial Mortgages for Manulife Investment Management (“MIM”). MIM is responsible for originating and managing commercial mortgage investments in the U.S and Canada on behalf of Manulife & John Hancock’s internal accounts, investment funds and institutional clients. The Mortgage Credit Team is looking for a junior analyst to support and collaborate within the Team and with the origination teams in the United States and Canada to assess the merits of proposed commercial mortgage loans and analyze the investment risk associated with those investments. The position is based in the Toronto home office. The Credit Team maintains a strong knowledge of the Company’s investment parameters, mortgage portfolio and market trends to underwrite, analyze and make recommendations regarding the risk assessment of commercial mortgage loan investments. The Team works closely with loan origination, closing/post-closing and the portfolio management teams. **Position Responsibilities:** + Provide analytical analysis, research, preparation of reports and presentations in the teams’ credit review and analysis of commercial mortgage loan submissions and matters affecting the loan after closing. + Review due diligence items used by the regional office supporting the investment proposal. + Conduct financial analysis of property, borrower, and tenant financial statements. + Conduct portfolio and like type property analysis. + Conduct national, local and property specific economic and market analysis. + Gain an understanding of the risks associated with the investment and factors mitigating that risk to determine an appropriate risk assignment. + Collaborate with senior team members to make recommendations on investment proposals. **Required Qualifications:** + Bachelor’s degree, preferably in Finance, Business, Economics or a related discipline. + Minimum 1-2 years of experience in commercial mortgage lending or real estate investment environment, including analytical, underwriting and risk assessment experience. + Excellent analytical, problem solving and decision-making skills; ability to prioritize effectively, multi-task, and perform well under pressure. + Strong working knowledge of Microsoft Office Suite. + Ability to interact effectively and professionally within all levels of the organization, including Senior Management, front and back offices, as well as external stakeholders. **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 . **Primary Location** Toronto, Ontario **Working Arrangement** Hybrid **Salary range is expected to be between** $71,925.00 CAD - $119,875.00 CAD 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.