Associate Director, Special Loans

Cameron Stephens; Toronto; On-site; CAD 100,000 - 150,000; Full time

Job summary

A leading real estate finance firm in Toronto is seeking an experienced Associate Director for Special Loans. This role involves managing distressed loans, developing workout strategies, and collaborating with diverse stakeholders. The ideal candidate should possess strong financial analysis skills and a proven track record in negotiating complex transactions. This position offers a dynamic working environment with opportunities for professional development.

Qualifications

• Proven management of distressed or special loans in Canadian real estate.
• Strong financial analysis and risk assessment capabilities.
• Excellent negotiation track record with diverse stakeholders.

Responsibilities

• Lead restructuring of troubled loans and develop workout strategies.
• Analyze borrower financials and market conditions.
• Support senior management with portfolio-level analysis.

Skills

Managing distressed loans

Financial analysis

Negotiation skills

Relationship-building

Risk assessment

Job description

Overview

Join to apply for the Associate Director, Special Loans role at Cameron Stephens.

We are seeking an experienced Associate Director, Special Loans to join our real estate finance team. This role is pivotal in managing distressed loans, safeguarding investor capital, and minimizing risks across a diverse commercial real estate portfolio. The ideal candidate brings deep expertise in workouts and restructuring, strong financial acumen, and the ability to navigate complex stakeholder dynamics with confidence.

Key Responsibilities

• Loan Restructuring & Workout: Lead restructuring efforts for troubled loans, develop customized workout strategies, and negotiate directly with borrowers and stakeholders to maximize recovery outcomes.
• Loan Transaction Analysis: Perform in-depth analysis of borrower financials, collateral, market conditions, and economic trends to identify risks and opportunities.
• Portfolio Oversight: Support senior management with portfolio-level analysis, including stress testing, concentration reviews, and market risk reporting.
• Stakeholder Management: Collaborate closely with internal teams (finance, credit / syndication, relationship management), borrowers, investors, and external professionals such as legal counsel, appraisers, and brokers.
• Regulatory & Compliance: Ensure all recovery strategies comply with legal, regulatory, and investor requirements while incorporating industry best practices.
• Knowledge Sharing & Team Development: Mentor colleagues by highlighting early warning signals in the lending process and conducting structured debriefs on loan workout outcomes.

Qualifications

• Proven experience managing distressed or special loans, ideally within the Canadian commercial real estate sector.
• Advanced financial analysis and risk assessment skills with strong command of loan structuring concepts.
• Track record of negotiating complex transactions and driving successful outcomes with diverse stakeholders.
• Excellent communication, presentation, and relationship-building skills.
• Strong business judgment, resilience, and ability to perform under pressure.