Bilingual (FR/EN) Loan Restructure Specialist
About The Position
MCAP is seeking 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. 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.
Requirements
- Bilingual in French and English (written and verbal)
- Proficiency with Outlook, MS Word, and Excel
- Strong critical thinking 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
Nice To Haves
- Strong Collections experience in residential mortgage servicing
- Experience in financial analysis or credit
Responsibilities
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
