Investment Officer

Position 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 Conducting annual property inspections 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. Strong organizational, time management, and communication skills (written and verbal). General understanding of macroeconomic trends, capital markets, AI concepts and use cases, and financial analysis. Benefits Salary range: $122,325.00 USD - $212,030.00 USD (hybrid working arrangement). Opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. Health, dental, mental health, and vision benefits. Short- and long-term disability, life and AD&D insurance coverage. Adoption/surrogacy and wellness benefits. Employee/family assistance plans. Retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions). Paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, 40 hours of sick time (or more where required by law) each year. Full range of statutory leaves of absence. 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 View email address on click.appcast.io. #J-18808-Ljbffr