Associate, Mortgage Investments (CMHC)

Cameron Stephens Mortgage Capital Ltd.; Old Toronto; On-site; CAD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a motivated Associate in Mortgage Investments, specializing in CMHC loans. This role involves analyzing diverse commercial real estate transactions, preparing detailed Term Sheets, and collaborating closely with the origination team to ensure timely processing of loans. The ideal candidate will have a strong background in real estate lending, excellent analytical skills, and a commitment to client service. Join a forward-thinking company that values integrity and precision, and be part of a team dedicated to delivering exceptional results in the Canadian real estate market.

Benefits

Competitive salary and bonus structure

Comprehensive medical benefits

Health Care Spending Account

Annual fitness allowance

RRSP matching program

Tuition Reimbursement Program

Company-wide team building events

Qualifications

• 3+ years of experience in real estate lending required.
• Strong knowledge of CMHC loans is essential.

Responsibilities

• Analyze and structure mortgage transactions for various products.
• Prepare Term Sheets and Deal Summaries for approvals.
• Build relationships with borrowers to meet their needs.

Skills

Real Estate Analysis

Financial Modeling

Communication Skills

Attention to Detail

Client Service

Market Research

Risk Assessment

Education

Post-secondary Degree in Commerce

Degree in Business Administration

Degree in Economics

Degree in Finance

Job description

Please send CV and Cover Letter with your email.

Position Date:

Title:

Associate, Mortgage Investments (CMHC)

Status:

Full-Time

Commensurate with experience

Reports to:

Position Summary

Associate, Mortgage Investments (CMHC)

Where we commit to hire the best and support our people to be their best.

We are Cameron Stephens, a leading Canadian commercial real estate investment manager, with a proven track record of partnering with borrowers and developers to offer investors consistent and attractive risk-adjusted returns. Built on a foundation of vision, integrity, and a commitment to excellence, the firm provides innovative debt and equity financing solutions for residential and commercial projects across Ontario, Alberta, and British Columbia.

With a 20-year track record of success, Cameron Stephens combines deep market expertise with rigorous underwriting to deliver stable, reliable returns for investors, shaping the future of real estate investment.

We are seeking an Associate, Mortgage Investments, with a specialization in CMHC loans to be responsible for the following key activities:

• Analyze and structure competitive transactions for all mortgage product types, including land loans, cost to complete construction loans, revolving construction loans, servicing loans, inventory loans, and amortizing term loans;
• Work closely with the origination department to prepare high-quality Term Sheets / Deal Summaries (loan applications) for Credit and Investor approval, which will contribute towards the overall profitability of CSMC;
• Assist the origination department to prepare and issue Letters of Intent to clients;
• Build relationships with the Borrowers to thoroughly understand their needs, and work cohesively with the origination department to ensure transactions are processed in a timely and efficient manner to deliver superior customer service and meet funding deadlines;
• Work closely with the Underwriting and Portfolio Management team to ensure Term Sheets / Deal Summaries are complete and accurate in preparation of a Loan Summary and funding the transaction;
• Establish personal goals and action plans to support CSMC’s business objectives, and demonstrate an ongoing willingness to assume higher degrees of accountability and responsibility;
• Keep abreast of changes within diverse industry sectors and proactively identify opportunities to improve the growth and development of the assigned transactions by analyzing Client/Borrower needs, trends, and competitor offerings.

What does the day-to-day involve?

• Analyze a variety of commercial real estate transactions including, but not limited to, office, retail, industrial, residential, hospitality, and land;
• Under the guidance of the Director, complete detailed Term Sheets / Deal Summaries for submission and approval to Investors, which includes creative and disciplined underwriting, thorough market research and accurate transaction representations;
• Correspond with the originator, borrower, mortgage and real estate brokers, and other industry professionals to validate and further substantiate the underwriting assumptions and gain a better understanding of particular markets and asset classes;
• Perform modeling and quantitative analysis related to real estate developments, income-producing properties, and other real estate assets in order to substantiate value and profitability of loan transactions;
• Review all applicants’ credit worthiness by performing a detailed analysis of personal net worth statements, financial statements, credit reports and other financial data relevant to the borrower and transaction;
• Identify risks and mitigants related to the loan transactions and the borrower, and make recommendations to Director and Originator;
• Respond to Syndication for all Investor inquiries.

Are you aligned with our Mission, Vision and Values?

Our Mission is to advance our client-first philosophy by managing investor capital with the highest levels of professionalism and integrity. We are dedicated to capital preservation while simultaneously forging long-term relationships with our real estate developer partners. We are committed to excellence in everything we do and building trust with all our stakeholders.

Our Vision is to be a leading force in the Commercial Real Estate industry, in the markets we serve across North America, known for disrupting the status quo and setting new standards of service and excellence. We aspire to make a significant impact on everyone we engage with—clients, investors, employees, and the communities we support—by consistently delivering unparalleled value and fostering meaningful change.

Our Values:

• Partnerships: Our commitment revolves around our clients, driving every decision we make. Our goal is to build and maintain long-term relationships where our borrowers win and our investors win.
• Precision: We apply our unwavering commitment to precision in every area of our business. We focus on the details to preserve capital and seek out superior risk adjusted returns.
• Persistence: We tackle challenges with relentless tenacity. Our dedication ensures that we not only work hard but also consistently deliver results.
• Entrepreneurial Mindset: We only hire the best and we support our people to be their best. Our team operates with an entrepreneurial mindset. We think and act like owners.
• Integrity: We say what we mean and mean what we say. We hold ourselves accountable for our actions, decisions and results.

What we believe our ideal candidate will possess:

• Post-secondary Degree in Commerce, Business Administration, Economics, or Finance with an educational focus on Real Estate or Land Development, or equivalent (required);
• 3 or more years of related work experience in the real estate lending industry (required), with Ontario experience preferred;
• Experience with Canada Mortgage and Housing Corporation (CMHC) a must!
• Strong personal commitment to professional development;
• Good knowledge of Finance and a keen interest in the Canadian Real Estate Market/Development Industry;
• Excellent communication/presentation, interpersonal and team skills;
• Excellent attention to detail;
• Ability to work independently with confidence and strong commitment to Borrower/Client service;
• Willingness to work flexible hours, and train both on/off the job to improve general business and lending skills; and
• Demonstrates a high capacity for increasingly complex workloads.

What we offer our people:

• Competitive salary and bonus structure
• Comprehensive medical benefits and Health Care Spending Account
• Annual fitness allowance
• RRSP matching program
• Tuition Reimbursement Program
• Company wide team building events

At Cameron Stephens, we value the unique skills and experiences of each of our candidates; recognizing that each prospective employee contributes to our efforts to build a diverse and inclusive place to work. We are committed to being an equal opportunity employer and are happy to provide accommodations upon request at all stages of the recruitment process.

We thank all applicants for their interest in working at Cameron Stephens. Please note that only those evaluated as meeting the requirements of the role will be contacted about next steps in the recruitment process.