Analyst, Debt

Dream; Toronto; Hybrid; CAD 70,000 - 85,000; Full time

Job summary

A leading Canadian real estate firm is seeking an Analyst, Debt to support underwriting and management of their debt portfolio. This role involves financial analysis, loan documentation review, and collaboration with various departments. The ideal candidate has a Bachelor’s degree, 2-4 years of relevant experience in real estate finance, and strong analytical and communication skills. Opportunities for continuous learning and career growth are provided.

Qualifications

• 2-4 years of relevant experience, preferably in real estate finance or commercial lending.
• Knowledge of the real estate landscape, including investment, development, and financing.
• Experience in debt modeling or underwriting.

Responsibilities

• Conduct financial and risk analysis at project, property, and portfolio levels.
• Prepare financing presentations and participate in lender presentations.
• Analyze financing proposals and review loan-related documentation.
• Liaise with lenders and stakeholders to ensure conditions are met.
• Coordinate with third-party partners during loan closings.
• Maintain debt records and track key terms.
• Collaborate with departments to monitor risks and compliance.
• Manage debt portfolio operations like interest rate management and repayments.
• Prepare monthly debt management reports for senior executives.

Skills

Strong analytical skills

Attention to detail

Problem-solving abilities

Advanced proficiency in Excel

Excellent communication skills

Interpersonal skills

Education

Bachelor’s degree in finance, real estate, or accounting

Tools

Excel

PowerPoint

Job description

Dream is looking for an Analyst, Debt!

Join us for an exciting opportunity to support underwriting, origination, and management of Dream’s debt portfolio. You will handle tasks related to land and construction financing, mortgage financing, corporate credit facilities, affordable housing, sustainable finance initiatives, and other capital vehicles within and outside Canada.

You will manage debt for a portfolio of prime commercial properties across various asset classes, including residential, office, industrial, and mixed-use developments, within entities such as TSX-listed Dream Unlimited Corp, Dream Office REIT, Dream Residential REIT, and Dream Impact Trust, as well as private equity vehicles managed by Dream. Projects may include notable developments like Zibi in Ottawa/Gatineau, Alpine Park in Calgary, Brightwater in Port Credit, Quayside in Toronto, Odenak in Ottawa, and Brighton Community in Saskatoon.

This position may be based in Calgary or Toronto and may require occasional travel.

A Day in the Life :

This role involves driving finance origination, underwriting, and reporting for new developments, redevelopments, and investments. You will work cross-functionally with departments like Development, Investment, Asset Management, Leasing, and Accounting, handling complex projects and eventually leading the debt process within your portfolio. Your insights will influence capital strategy, lender relations, and loan structuring, while maintaining risk management and monitoring pipeline projects, debt maturities, and loan structures.

Every day offers new experiences and learning opportunities. You will be supported by a dynamic team that values collaboration and social engagement.

Responsibilities include :

• Conducting financial and risk analysis at project, property, and portfolio levels, providing recommendations to senior management.
• Preparing financing presentations and confidential information memorandums (CIMs), and participating in lender presentations.
• Analyzing financing proposals and reviewing loan-related documentation such as credit agreements, financial reports, development plans, leases, and appraisals.
• Liaising with lenders and stakeholders to ensure all conditions are met before funding.
• Coordinating with third-party partners during loan closings, including legal, property managers, and external consultants.
• Maintaining debt records, tracking key terms, and lender reporting requirements.
• Collaborating with Accounting, Strategic Finance, and Asset Management to monitor risks, compliance, and maturities.
• Handling lender financial and compliance reporting and responding to inquiries.
• Managing debt portfolio operations like interest rate management, loan draws, and repayments, providing optimization recommendations.
• Preparing monthly debt management reports for senior executives.
• Supporting special projects and ad hoc reports as needed.

Qualifications :

• Bachelor’s degree in finance, real estate, or accounting.
• 2-4 years of relevant experience, preferably in real estate finance or commercial lending.
• Knowledge of the real estate landscape, including investment, development, and financing; experience with budgets and pro-formas is a plus.
• Experience in debt modeling or underwriting is advantageous.

Desired Skills :

Strong analytical skills, attention to detail, and problem-solving abilities. Advanced proficiency in Excel (cash flow modeling, pivot tables) and PowerPoint. Excellent communication skills for reports and presentations. Ability to interpret complex loan documents. Strong interpersonal skills and team collaboration. Curiosity, innovative thinking, and a proactive attitude. Effective time management and project handling skills. Commitment to continuous learning and career growth.

About Dream :

Dream Unlimited is a leading Canadian real estate investment, development, and management firm with about $28 billion in assets across North America and Europe. We develop communities, manage properties, and invest in diverse real estate projects, driven by an entrepreneurial spirit and passion for impact. We value diversity and provide accommodations for applicants with disabilities throughout our hiring process.