Account Manager, Commercial Real Estate - RFA Bank

145 King St W, Toronto, ON M5H 1J8, Canada

Posted Thursday, January 1, 2026 at 5:00 AM

Account Manager, Commercial Real Estate – RFA Bank of Canada

Date:
January 1, 2026

Location: Toronto

Company: RFA Bank of Canada

Job Type: Permanent

About RFA

Founded in 1996, RFA (Realty Financial Advisors) is a leading Canadian-owned real estate firm. Through RFA Bank of Canada and RFA Mortgage Corporation, RFA offers mortgage brokers a complete range of Prime and Alternative mortgage solutions.

RFA Bank of Canada, a division of RFA (Realty Financial Advisors), is a federally regulated Schedule I Bank. Our goal is to be a long-term leader in the residential lending market by offering more than just competitive rates and compensation. At RFA Bank of Canada, we focus on delivering a unique value proposition in the Alternative mortgage space, committed to innovation and exceptional service to meet a diverse range of borrower needs.

The Opportunity

We’re looking to fill an Account Manager, Commercial Real Estate (CRE) position at RFA Bank of Canada!

Relationship management support for a commercial real estate portfolio from application to discharge. Relationship management duties include direct liaison with our Originating and Servicing Partners, underwriting commercial real estate loan applications in a timely and effective manner following approved policies and guidelines, reviewing construction draws, ongoing file review and day to day account management. These activities ensure compliance with RFA’s stated risk appetite, mortgage underwriting policies, and applicable guidelines.

The scope includes large commercial term, commercial construction, and insured multi-residential underwriting. Provide support where and when requested to contribute to the RFA CRE business initiatives and/or the Bank overall.

Core Responsibilities

As the Account Manager, CRE, you will:

Credit Management Results:

• Underwrite to highest credit quality standards as defined by the Risk Appetite Framework and relevant policies and guidelines for both conventional and insured business.
• Process applications for financing in the Bank’s insured multi-residential, construction, and commercial term financing following RFA’s Underwriting Guidelines, including, but not limited to:
  • Review of credit information
  • Review of real estate appraisals & environmental assessments
  • Review of financial statements
  • Terms and conditions on all mortgage applications
  • Cash flow underwriting for income producing properties
  • Feasibility assessment and exit strategy for construction loans
• Portfolio Management duties, including without limitation:
  • Working closely with the CMB Business Senior Account Manager, as directed, provide support for the quarterly 5 and 10 year pool CMB MBS securitization business
  • Collection, analysis, and management of annual documentation through the term of the loan
  • Completion of quarterly and/or annual review assessments, depending on the product and as hoc as required
  • Processing construction draws
  • Ongoing updates to the construction cash flow schedule
  • Complete or provide support for the completion of Monthly, Quarterly and Annual RFA’s risk reporting and monitored loan program
  • Review of construction schedules and draws
  • Collection and review of the commercial and construction pipelines
  • Review of weekly remittance reports
  • Review and underwriting of Assumptions as necessary
  • Liaise with Originating Servicing partners to ensure timely and accurate receipt of all reporting information
• Maintain service levels in an environment of high volumes and the competing demands of originators and employees.
• Maintain direct contact with mortgage originators via updates specific to the application from fulfillment through to closing.
• Build and maintain exceptional customer service levels.
• Receive and review all funding materials; arrange for treasury to advance funds on the day of closing
• Act as back up to funding function as required

Operational Efficiency and Risk Management:

• Manage work volumes to meet short timelines with a high level of quality.
• Evaluate real estate and associated risks in a volatile market.
• Build…