We are a leading financial services provider committed to making decisions easier and lives better for our customers and colleagues around the world. From our environmental initiatives to our community investments, we lead with values throughout our business. To help us stand out, we help you step up, because when colleagues are healthy, respected and meaningfully challenged, we all thrive. Discover how you can grow your career, make impact and drive real change with our Winning Team today.

Working Arrangement

Hybrid

Job Description

The opportunity

The North American Real Estate Finance Group is responsible for identifying, underwriting and procuring high quality commercial real estate mortgage loans on behalf of Manulife. The Post-Closing Analyst works on complex assignments, including multi-faceted requests from borrowers during the lifecycle of our portfolio loans. This position will also include loan closing responsibilities; the workload will be balanced and responsibilities will shift as needs arise.

Responsibilities

• Analyzes complex, multi-faceted requests from our borrowers. Requests vary and may include post-closing changes to the loan’s collateral and/or requirements of the loan documents. Responsibilities include reviewing material submitted by borrowers, identifying gaps in the material submitted and independently engaging with borrowers, correspondents, attorneys, and other parties to obtain all the necessary information and/or materials needed to evaluate the proposal.

• Prepares comprehensive summary of request from borrower. Provides the Credit Officer with detailed summary of proposal, focusing on the underwriting, credit risk and applicable provisions of the loan documents. The candidate is expected to anticipate the Credit Officer’s business concerns and address the strengths, weaknesses and mitigants of the proposed action.

• Makes recommendations to Credit Officer regarding borrower’s request. Provides Credit Officer with a concise package including analysis, recommendation and supporting material for the recommendation. The candidate is expected to fully comprehend the implications of the proposed action and is relied on to identify the risks and exercise good judgment in making a business recommendation.

• Prepares conditional business approval letters. Communicates additional business and legal requirements to borrower, reviews materials received from borrower to ensure compliance with company requirements and acceptable practices, and coordinates review and approval by Credit Officer and our legal counsel. Prepares final business approval letters.

• Oversees all aspects of loan closings including but not limited to analysis of underwriting requirements, review of lender’s due diligence items, review of property and appraisal reports, review of leases, drafting of SNDAs, TECs and other required lease documents, coordination of insurance approvals, fulfillment of third-party investor requirements, drafting funding documents, requesting loan proceeds, assemble deal team meetings, and communicate with all deal team parties throughout the loan closing process.

• Operates under tight timeframes to meet the needs of borrowers, internal and external audits and ad hoc requests.

• Takes on special projects as new initiatives arise.

• Conducts administrative duties including coordination of meetings, agenda preparation, minute keeping and file management.

What we are looking for

• 3-7 years of prior commercial mortgage, residential mortgage, real estate and/or paralegal experience is preferred.

• BA is required, and the candidate must have a solid understanding of the commercial mortgage lending process.

• Excellent communication skills, both written and oral.

• Proficiency with the Microsoft Office suite of products, including PowerPoint, Excel, and Teams.

• Professional work ethic, strong attention to detail, responsive, and ability to perform well under pressure.

• Ability to work individually and in a team.

• Strong organizational and decision-making skills with the ability to prioritize.

• Willingness to learn, evolve, and earn new responsibilities.

Decision Authorities:

• Decisions beyond normal day-to-day responsibilities may require escalation to senior management.

Working arrangement:

• Hybrid working arrangement based in Boston or Toronto. Position requires working in the office on Mondays, Tuesdays, Wednesdays and as needed and/or in accordance with company and/or manager guidelines. Travel to Manulife offices, conferences and events in North America may be periodically required.

What can we offer you?

• A competitive salary and benefits packages.

• A growth trajectory that extends upward and outward, encouraging you to follow your passions and learn new skills.

• A focus on growing your career path with us.

• Flexible work policies and strong work-life balance.

• Professional development and leadership opportunities.

Our commitment to you

• Values-first cultureWe lead with our Values every day and bring them to life together.

• Boundless opportunityWe create opportunities to learn and grow at every stage of your career.

• Continuous innovationWe invite you to help redefine the future of financial services.

• Delivering the promise of Diversity, Equity and InclusionWe foster an inclusive workplace where everyone thrives.

• Championing Corporate CitizenshipWe build a business that benefits all stakeholders and has a positive social and environmental impact.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. With our global headquarters in Toronto, Canada, we operate as Manulife across our offices in Asia, Canada, and Europe, and primarily as John Hancock in the United States. We provide financial advice, insurance, and wealth and asset management solutions for individuals, groups and institutions. At the end of 2022, we had more than 40,000 employees, over 116,000 agents, and thousands of distribution partners, serving over 34 million customers. At the end of 2022, we had $1.3 trillion (US$1.0 trillion) in assets under management and administration, including total invested assets of $0.4 trillion (US $0.3 trillion), and segregated funds net assets of $0.3 trillion (US$0.3 trillion). We trade as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges, and under ‘945’ in Hong Kong.

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 .

Salary & Benefits

The annual base salary for this role is listed below.

Primary Location

Boston, Massachusetts

Salary range is expected to be between

$68,475.00 USD - $114,125.00 USD

If you are applying for this role outside of the primary location, please contact 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/John Hancock 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/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, and we offer the full range of statutory leaves of absence.

Company: John Hancock Life Insurance Company (U.S.A.)