Analyst, Non-Core Lending Mortgage

Overview

Supports underwriting, monitoring, and asset management of construction-backed mortgage loans.

Key Responsibilities

• risk assessment
• underwriting
• loan monitoring
• report preparation
• stakeholder management
• process improvement

Tasks

-Help with risk assessment & mitigation: identifying key risks, suggesting mitigants in underwriting and during construction as applicable. -Review third-party reports: appraisals, environmental reports, engineering and soils reports, cost consultant reports, market studies etc. -Assist with underwriting new construction loans: analyzing project proformas, cash flow forecasts, budget & cost estimates, borrower creditworthiness, exit strategies, LTV (Loan to Value), DSCR (Debt Service Coverage Ratio), etc. -Ensure documentation compliance: legal, regulatory, investor guidelines. -Interactions with various stakeholders: legal, construction consultants, borrowers, internal risk, and credit teams. -Contribute to building a collaborative and high-performing team culture and live up to the BGO Culture Code. -Assist with loan valuations and annual reviews: updating assumptions, assessing market trends, rental, or sales comparables. -Prepare loan extensions and loan amendments for existing loans within the portfolio. -Assist in reporting to senior management: status reports, dashboards. -Work closely with team and Principal Non-Core Lending and provide them support as needed. -Prepare deal summaries to get business support, term sheets for new loans, and commitment letters upon loan approval. -Monitor construction loans during the building phase: verifying draws vs. budget, reviewing construction progress, monitoring cost overruns, ensuring conditions and undertakings under loan agreements are met. -Assist in asset management/portfolio monitoring: prepare regular reports on loan performance, project status, risk flagged items. -Support continuous improvement of processes: standardizing underwriting checklists, improving monitoring tools, etc.

Requirements

• excel
• powerpoint
• cfa
• financial analysis
• construction finance
• real estate

What You Bring

-Office-based role; may require occasional travel to project sites or borrower locations. -Familiarity with key financial metrics (LTV, LTC, Residual LTV, DSCR, IRR, etc.). -Bachelor’s degree in finance, Economics, Real Estate, Accounting, Business, Engineering, or a related field. -Excellent communication skills, both oral and written ability to prepare clear memos, summaries, and interact with internal & external parties. -Attention to detail and accuracy. -Ability to work both independently and in a team. -Experience with construction lending and/or development financing is a strong asset. -Comfortable with ambiguity, able to identify missing information and push for clarification. -Strong financial analysis skills: proformas, understanding of cash flows, sensitivity & scenario analyses. -Exposure to mortgages / loans secured by real estate; experience with project valuations, cost budgeting, borrower metrics. -Proficiency in Excel and PowerPoint, PLM, or other real estate systems. -Familiarity with investor or lender reporting requirements. -Fast-paced, deadline driven. -Analytical, problem-solving mindset. -Knowledge of loan documentation and legal / regulatory frameworks in real estate lending. -Able to manage multiple tasks/projects under tight deadlines. -Understanding of real estate development process: budgeting, cost estimates, construction draw schedules, etc. -Experience with risk management / asset management of real estate loans. -1-3 years of relevant experience in commercial real estate finance, lending, construction finance, or underwriting. -Working towards a CFA designation or similar designation would be ideal.

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About Bgo

-Blends Canadian and American real estate legacies into a united powerhouse. -Operates a global lending platform offering real estate debt solutions alongside investment and property-management services. -Develops focused investment vehicles tailored to regional markets. -Maintains deep local expertise with offices in 13 countries, enabling nuanced market entry and execution in primary and secondary real estate markets. -Launched specialized units like BGO Cold Chain to unlock niche markets, such as modern cold-storage infrastructure for food-supply resilience. -Part of Sun Life’s alternative asset arm, it leverages SLC Management’s platform to scale co-investment and strategic-capital partnerships.

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