Job Summary

The Senior CRE Finance Account Manager at Laurentian Bank is a high-level “Capital & Relationship” role within the Commercial Real Estate division in Québec City. This position requires the “wit” to perform complex risk assessments on large-scale mortgage loans and the “grit” to manage a diverse portfolio in a competitive financial landscape. You are a strategic partner for real estate developers and investors, serving as the bridge between their capital needs and the bank’s lending criteria.

Job Details

Employer: Laurentian Bank of Canada.
Location: Québec City, Quebec (Hybrid Work Model).
Status: Full-time.
Salary: $80,000 – $100,000 a year (Plus performance bonuses and Stock Plan).
Experience: Minimum of 5 years in commercial real estate (CRE) financing.
Education: University degree in Finance, Economics, Commerce, or a related field.

Key Responsibilities: The “Lending Lifecycle”

You are responsible for the entire lifecycle of a commercial mortgage, from initial handshake to final disbursement and ongoing risk monitoring.

Deal Origination: Proactively identify and initiate new mortgage loan opportunities with real estate clients across the Québec City region.
Portfolio Management: Oversee a diverse book of business, ensuring that existing loans remain in good standing and meeting the evolving needs of your clients.
Risk Management: Perform rigorous financial analysis and due diligence to ensure all lending activities align with the bank’s risk appetite and regulatory standards.
Relationship Development: Cultivate deep, long-term partnerships with developers, landlords, and CRE brokers to become their primary point of contact for financing.
Financial Modeling: Structure complex debt solutions, including construction loans, term financing, and bridge loans for various asset classes (multi-residential, industrial, retail).

Candidate Profile & Qualifications

The “Finance Strategist”: Someone with a sophisticated understanding of the Québec real estate market and the nuances of commercial credit.
Analytical Wit: The ability to dissect complex financial statements and property appraisals to determine the viability of a loan request.
Professional Grit: A results-driven individual who can navigate the lengthy approval processes of a major financial institution while maintaining client momentum.
Academic Foundation: A strong university background that provides the theoretical basis for advanced financial underwriting.

Technical Insights: The CRE Finance Stack

Success in this role requires mastering the metrics that drive multi-million dollar lending decisions.

LTV & DSCR Metrics: You will live and breathe Loan-to-Value (LTV) and Debt Service Coverage Ratios (DSCR). In the current 2026 market, maintaining a DSCR of 1.25x to 1.50x is often the benchmark for conventional CRE financing.
The “Cap Rate” Sensitivity: Understanding how shifting interest rates affect “Capitalization Rates.” A 1% move in the prime rate can significantly impact a property’s valuation and the bank’s “Safety Margin.”
Asset Class Specialization: You must distinguish between the risks of “Speculative Industrial” builds versus “Stabilized Multi-Family” assets, adjusting your loan covenants accordingly.

Why Join Laurentian Bank?

Laurentian Bank is a historic Canadian institution known for its focus on personalized service and professional growth.

Competitive Total Rewards: A strong base salary ($80k–$100k) supplemented by a performance-based bonus and a Stock Purchase Plan, allowing you to share in the bank’s success.
Hybrid Work Model: Enjoy the “wit” of collaborating in a professional office environment combined with the “flexibility” of remote work days.
Local Expertise: Work for a bank with deep roots in Quebec, offering you a unique advantage when dealing with local real estate players.
Professional Pedigree: Access to high-level networking and mentorship within the Canadian financial services industry.

Job Description

Do you believe that the skyline of a city is built on the strength of its financial partnerships? Laurentian Bank is seeking a Senior CRE Finance Account Manager. We aren’t looking for a “loan officer”; we are looking for a financial architect who has the “grit” to close a complex multi-site deal and the “wit” to identify a potential risk before it hits the balance sheet. If you have 5+ years of CRE experience and a university degree, you belong at the center of our Québec City operations.

In this role, you are a “Capital Consultant.” You understand that every loan is more than just a transaction—it’s a building, a business, or a home. Your goal is to provide “Excellence in Commercial Financing,” ensuring our clients have the liquidity they need to grow while protecting the bank’s assets. We look for “Analytically-minded” individuals who are professional, connected, and ready to lead the CRE market.

Joining Laurentian Bank means joining a legacy of financial excellence. We offer the professional challenges you seek and the competitive rewards you deserve. If you are a finance professional with a commitment to “Relationship Management and Risk Integrity,” we invite you to apply and manage our Québec City portfolio today.

Laurentian Bank

Company & Location

Founded in 1846, Laurentian Bank is a Schedule I bank with deep roots in the province of Québec. In Québec City, it maintains a strategic presence through its financial centers and corporate offices, notably in the Laurier Québec and Sainte-Foy business districts. However, the bank is currently undergoing a historic pivot; as of late 2025 and early 2026, it is transitioning into a specialty commercial bank. This strategic shift involves the sale of its retail and SME banking operations to National Bank and Fairstone Bank, though it maintains its historic brand and regional influence while focusing on commercial real estate and inventory financing.

Culture

The culture is built on a “winning team” mentality, emphasizing four core values: Customer First, Courage, Results Driven, and Belonging. Guided by a “People-led, tech-powered” approach, the bank prioritizes Equity, Diversity, and Inclusion (ED&I), aiming to create an environment where every employee feels they can thrive regardless of their background. Despite recent restructuring, the atmosphere remains centered on resilience and integrity. The workplace promotes a “Continuous Growth” mindset, offering robust training and leadership programs to help staff navigate the bank’s digital transformation and its specialized shift toward high-impact commercial lending.

To apply for this job please visit www.laurentianbank.ca.