Loan Restructure Specialist

MCAP at a Glance

Joining MCAP means you will be a part of our diverse workforce of highly talented individuals who are recognized for their expertise and success! At MCAP, your professional expertise, commitment to teamwork and passion for service excellence are recognized and rewarded with competitive total rewards offering, a career with continuous learning and development (formal & informal training), and exciting opportunities in a dynamic, entrepreneurial environment.

The Role

We’re looking for a highly analytical and empathetic Loan Restructure Specialist to support homeowners experiencing financial difficulty and help them remain in their homes. In this role, you will assess complex mortgage delinquency situations, evaluate restructuring/collections solutions, and make recommendations that balance the needs of homeowners, lenders, and insurers.

Key responsibilities include:

• Assess complex delinquent mortgage situations and determine sustainable restructuring options
• Engage with homeowners to understand financial circumstances, gather information, and provide clear guidance through available solutions
• Analyze financial, property, and credit information to develop recommendations aligned with lender, investor, and insurer requirements
• Present and coordinate restructuring recommendations with internal and external stakeholders to secure approvals and progress resolutions
• Implement approved solutions, maintain accurate documentation, and monitor outcomes to support portfolio performance and continuous improvement

What You Bring To The Team

Required

• Proficiency with Outlook, MS Word, and Excel
• Strong critical thinkings skills, with the ability to balance homeowner experience and risk management
• A talent for building and maintaining strong relationships with homeowners and team members
• Ability to manage an assigned portfolio, prioritize workload effectively, and consistently meet service level expectations

Preferred

• Strong Collections experience in residential mortgage servicing
• Experience in financial analysis or credit
• Bilingual in French and English (written and verbal)

If this sounds like you and you are looking to be a part of one of Canada’s largest independent mortgage finance companies, then we want to hear from you!

Be A Part Of Something Great

MCAP is Canada’s largest independent Mortgage Finance company with over $150 billion in assets under management providing mortgage solutions for residential and commercial properties. For over 35 years, MCAP originates, trades, securitizes and services mortgages in offices across Canada. MCAP originates residential mortgages exclusively through the mortgage broker channel as we believe that a professional mortgage broker is a consumer's best option and MCAP actively promotes the services of mortgage brokers across the country. MCAP is also a leader in the Canadian residential construction lending market with over 25 years in the business. Our teams of dedicated professionals serve a variety of developer, construction and lender clients across Canada.

Position #: req2207

Employment Status: Permanent Full Time

Location: Waterloo and Toronto

Number Of Openings: 2

Department: Residential

Internal Job Title: Loan Restructure Specialist

Salary Range: $55,000 - $65,000

The above information in this description has been designed to indicate the general nature and level of work performed by employees in the position. It is not designated to contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

MCAP provides equal opportunities for all applicants and is committed to fostering an inclusive, accessible environment, where all employees feel valued, respected and supported throughout the recruitment and employment process. If you require accommodation, we will work with you to meet your needs.