Analyst, Non-Core Lending Mortgage at Bgo in Toronto, Ontario, Canada | Kablio

Role

Description

report review

stakeholder interaction

portfolio monitoring

construction monitoring

risk assessment

loan underwriting

Review third-party reports: appraisals, environmental reports, engineering and soils reports, cost consultant reports, market studies etc.
Interactions with various stakeholders: legal, construction consultants, borrowers, internal risk, and credit teams.
Assist in asset management/portfolio monitoring: prepare regular reports on loan performance, project status, risk flagged items.
Work closely with team and Principal Non-Core Lending and provide them support as needed.
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.
Contribute to building a collaborative and high-performing team culture and live up to the BGO Culture Code.
Help with risk assessment & mitigation: identifying key risks, suggesting mitigants in underwriting and during construction as applicable.
Assist in reporting to senior management: status reports, dashboards.
Prepare deal summaries to get business support, term sheets for new loans, and commitment letters upon loan approval.
Support continuous improvement of processes: standardizing underwriting checklists, improving monitoring tools, etc.
Prepare loan extensions and loan amendments for existing loans within the portfolio.
Ensure documentation compliance: legal, regulatory, investor guidelines.
Assist with loan valuations and annual reviews: updating assumptions, assessing market trends, rental, or sales comparables.
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.

Requirements

cfa

excel

plm

construction lending

financial metrics

finance degree

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

Benefits

Information not given or found

Training + Development

Information not given or found

Interview process

Information not given or found

Visa Sponsorship

Information not given or found

Security clearance

Information not given or found

People also searched

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Company

Overview

$86B Assets

Global Asset Management

Manages approximately $86 billion in assets across multiple real estate sectors worldwide.

25M sq ft

Industrial Space Managed

Oversees over 25 million square feet of Canadian industrial space.

11,500+ Units

Residential Management

Manages over 11,500 residential units rooted in a century-old legacy.

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.

Culture + Values

Environment + Sustainability

234,061 sq ft

Net-Zero Industrial Building

Delivered Ontario’s first all-electric, net-zero speculative industrial building with 500 kW rooftop solar and all-electric HVAC, cutting CO₂ emissions by ~2,151 tons over 10 years while reducing operating costs by 59%.

2023 Five-Star Rating

GRESB Assessment

Two investment strategies received five-star ratings in the 2023 GRESB assessment, with all strategies scoring 100% on social and governance indicators.

72% Reduction

Scope 1 & 2 GHG Intensity

Interim target for a 72% reduction in greenhouse gas intensity for Scope 1 & 2 emissions by 2030.

2,151 tons CO₂

CO₂ Emissions Reduction

Achieved a reduction of ~2,151 tons of CO₂ over 10 years through energy-efficient design and renewable energy integration.

Committed to achieving Net Zero greenhouse gas emissions by 2050 (or sooner) across all assets under management through the Net-Zero Asset Managers initiative.
Established proprietary Global Net Zero Framework to set interim targets, drive deep retrofits, lower-carbon development, renewable energy, prop-tech, and offsets.
Corporate operations carbon neutral since 2014 via renewable energy credits and quality carbon offsets, extended globally toward 2050 goal.
Climate strategy based on three pillars: energy efficiency and electrification; renewable energy; and carbon offsets limited to ≤10% of emissions.
Achieved a 20% reduction in Scope 3 emissions since 2019.

Inclusion & Diversity

2030 Target

Gender Parity Commitment

The company has joined the Paradigm for Parity coalition and is committed to achieving gender parity in corporate leadership by 2030.

≥30% Target

Women in Leadership

The company has set a near-term target to achieve at least 30% women in all leadership groups.

4/5 Leadership

Diverse Executive Team

Four out of five most senior executives at the company are women or people of color.

4.1/5 Rating

D&I Recognition

The company has a Glassdoor D&I rating of 4.1/5, based on reviews from approximately 83 employees.

Joined CREW Network CRE Pledge, committing to conduct pay equity study, sponsor women and underrepresented groups, increase diversity through intentional recruiting, and implement accountability strategies.

Articles

BGO Careers

Our Projects

About Us

Role

Description

report review

stakeholder interaction

portfolio monitoring

construction monitoring

risk assessment

loan underwriting

Review third-party reports: appraisals, environmental reports, engineering and soils reports, cost consultant reports, market studies etc.
Interactions with various stakeholders: legal, construction consultants, borrowers, internal risk, and credit teams.
Assist in asset management/portfolio monitoring: prepare regular reports on loan performance, project status, risk flagged items.
Work closely with team and Principal Non-Core Lending and provide them support as needed.
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.
Contribute to building a collaborative and high-performing team culture and live up to the BGO Culture Code.
Help with risk assessment & mitigation: identifying key risks, suggesting mitigants in underwriting and during construction as applicable.
Assist in reporting to senior management: status reports, dashboards.
Prepare deal summaries to get business support, term sheets for new loans, and commitment letters upon loan approval.
Support continuous improvement of processes: standardizing underwriting checklists, improving monitoring tools, etc.
Prepare loan extensions and loan amendments for existing loans within the portfolio.
Ensure documentation compliance: legal, regulatory, investor guidelines.
Assist with loan valuations and annual reviews: updating assumptions, assessing market trends, rental, or sales comparables.
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.

Requirements

cfa

excel

plm

construction lending

financial metrics

finance degree

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

Benefits

Information not given or found

Training + Development

Information not given or found

Interview process

Information not given or found

Visa Sponsorship

Information not given or found

Security clearance

Information not given or found

People also searched

Company

Overview

$86B Assets

Global Asset Management

Manages approximately $86 billion in assets across multiple real estate sectors worldwide.

25M sq ft

Industrial Space Managed

Oversees over 25 million square feet of Canadian industrial space.

11,500+ Units

Residential Management

Manages over 11,500 residential units rooted in a century-old legacy.

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.

Culture + Values

Environment + Sustainability

234,061 sq ft

Net-Zero Industrial Building

Delivered Ontario’s first all-electric, net-zero speculative industrial building with 500 kW rooftop solar and all-electric HVAC, cutting CO₂ emissions by ~2,151 tons over 10 years while reducing operating costs by 59%.

2023 Five-Star Rating

GRESB Assessment

Two investment strategies received five-star ratings in the 2023 GRESB assessment, with all strategies scoring 100% on social and governance indicators.

72% Reduction

Scope 1 & 2 GHG Intensity

Interim target for a 72% reduction in greenhouse gas intensity for Scope 1 & 2 emissions by 2030.

2,151 tons CO₂

CO₂ Emissions Reduction

Achieved a reduction of ~2,151 tons of CO₂ over 10 years through energy-efficient design and renewable energy integration.

Committed to achieving Net Zero greenhouse gas emissions by 2050 (or sooner) across all assets under management through the Net-Zero Asset Managers initiative.
Established proprietary Global Net Zero Framework to set interim targets, drive deep retrofits, lower-carbon development, renewable energy, prop-tech, and offsets.
Corporate operations carbon neutral since 2014 via renewable energy credits and quality carbon offsets, extended globally toward 2050 goal.
Climate strategy based on three pillars: energy efficiency and electrification; renewable energy; and carbon offsets limited to ≤10% of emissions.
Achieved a 20% reduction in Scope 3 emissions since 2019.

Inclusion & Diversity

2030 Target

Gender Parity Commitment

The company has joined the Paradigm for Parity coalition and is committed to achieving gender parity in corporate leadership by 2030.

≥30% Target

Women in Leadership

The company has set a near-term target to achieve at least 30% women in all leadership groups.

4/5 Leadership

Diverse Executive Team

Four out of five most senior executives at the company are women or people of color.

4.1/5 Rating

D&I Recognition

The company has a Glassdoor D&I rating of 4.1/5, based on reviews from approximately 83 employees.

Joined CREW Network CRE Pledge, committing to conduct pay equity study, sponsor women and underrepresented groups, increase diversity through intentional recruiting, and implement accountability strategies.

Articles

BGO Careers

Our Projects

About Us