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About the Role

The Investment Officer is responsible for originating and managing profitable commercial mortgage loan investments within the Company’s established risk and return parameters. This role involves marketing mortgage products to source high-quality lending opportunities with yields aligned to underlying liabilities. The Investment Officer leads the full transaction lifecycle, including sourcing, structuring, underwriting, and recommending investments for approval, while also supporting portfolio management activities to protect asset quality and minimize losses.

Responsibilities

Originate, analyze, negotiate, underwrite, and close commercial mortgage investments that meet established yield and portfolio objectives.
Market and place commercial mortgage loans with borrowers, correspondents, and brokers.
Present and recommend targeted loan opportunities for approval to Credit Team and senior management.
Conduct annual loan reviews with financial, market and security analysis, to update the credit rating for each mortgage in our portfolio.
Collaborate with Branch staff, key partners across offices (including Boston and Toronto home offices) as well as Loan Administration and Collateral Review Teams on mortgage loans in the portfolio.
Structure transactions, negotiate loan terms, and develop pricing strategies consistent with Company standards.
Support mortgage portfolio administration, including monitoring and addressing problem loans, coordinating with Collateral Review and legal teams, conducting annual property inspections, and renewing/retaining high-quality performing loans.
Engage with the Closing Team to facilitate loan closings and with the Post-Closing Team to address borrower requests during the life of loans.

Requirements

Minimum 5 years of commercial mortgage loan experience with a background in origination, portfolio, and asset management.
Previous experience with a life insurance company, bank or credit role is a plus.
Strong knowledge of mortgage lending, including documentation, credit standards, and underwriting principles.
Knowledge of forms of mortgage loan documentation, the ability to analyze cash flows/complete spreadsheet-based financial modeling, an understanding of commercial real estate market conditions, loan rating methodology, and appraisal techniques.
Solid understanding of real estate law, lease structures, and loan documentation.
General understanding of macroeconomic trends, capital markets, AI concepts and use cases, and financial analysis.

Skills

Deal sourcing
Marketing
Relationship management
Loan document negotiation
Due diligence coordination
Financial statement analysis

Location

San Francisco, California

Work Type

Hybrid

Experience Level

Minimum 5 years

Education Level

Bachelor’s degree required
Advanced degree in business, finance, economics, commercial real estate, or related field preferred

Salary/Compensations

$128,550.00 USD - $222,820.00 USD

Benefits

Health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage
Adoption/surrogacy and wellness benefits
Employee/family assistance plans
Various retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions)
Financial education and counseling resources
Up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time each year
Full range of statutory leaves of absence

About the Company

Manulife Financial Corporation is a leading international financial provider, helping people make their decisions easier and lives better.
Company: John Hancock Life Insurance Company (U.S.A.)

Equal Opportunity

Manulife is an Equal Opportunity Employer.
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.
Know Your Rights I Family & Medical Leave I Employee Polygraph Protection I Right to Work I E-Verify