Senior VP, Real Estate Financing (Canada/US) – On-site Montreal

Inner Circle Agency; Pointe-Claire; On-site; CAD 200,000 - 300,000; Full time

Job summary

Inner Circle Agency is seeking a Vice President, Real Estate Debt & Financing to lead debt financing for its Canadian and U.S. real estate portfolio. You will report to the CIO and ownership, develop financing strategies, manage lender relationships, and oversee transactions from initial analysis through closing.

The VP will mentor three analysts and participate in underwriting and negotiations, collaborating with investment, accounting and legal teams to optimize leverage and cost of capital.

Qualifications

• 5+ years of CRE finance experience with an owner/operator, lender, or investor.
• Significant experience structuring and executing CRE financing transactions.
• Strong knowledge of CRE debt structures, including mortgages, acquisition financing, construction loans, bridge financing, and refinancing.
• Strong financial modeling, underwriting, valuation, and credit analysis capabilities.
• Fluent in English and French.
• Ability to operate in a fast-paced, entrepreneurial environment.

Responsibilities

• Develop and execute financing strategies for acquisitions, refinancings, developments, redevelopments, and other real estate investments.
• Source, structure, and negotiate debt with banks, insurers, credit funds, private lenders, mortgage brokers, and other capital providers.
• Lead financial analysis and underwriting across NOI, cash flow, valuation, LTV, DSCR, debt yield, and interest-rate exposure.
• Manage financing transactions through lender selection, due diligence, documentation, closing, and funding.
• Oversee the existing debt portfolio, including maturities, covenants, rates, refinancing requirements, and restructuring opportunities.
• Partner with investment, acquisitions, accounting, finance, and legal teams to assess transaction economics and financing alternatives.
• Lead and develop a team of three analysts while providing senior management with recommendations on leverage, financing risk, and cost of capital.

Skills

CRE Finance

Financial Modeling

Debt Structuring

Negotiation

Leadership

Job description

Inner Circle Agency is seeking a Vice President, Real Estate Debt & Financing to lead debt financing for its Canadian and U.S. real estate portfolio. You will report to the CIO and ownership, develop financing strategies, manage lender relationships, and oversee transactions from initial analysis through closing.

The VP will mentor three analysts and participate in underwriting and negotiations, collaborating with investment, accounting and legal teams to optimize leverage and cost of capital.