VP, Real Estate Financing & Debt Strategy

Inner Circle Agency Inc.; Montreal; On-site; CAD 200,000 - 250,000; Full time

Job summary

Inner Circle Agency Inc. is recruiting for a Vice President, Real Estate Debt & Financing to lead debt financing across Canadian and U.S. portfolios. You will report to the CIO and ownership, shaping financing strategy and lender relationships while mentoring three analysts.

You will oversee underwriting, negotiations, and transaction execution from start to finish, leveraging deep CRE capital market knowledge in a dynamic, entrepreneurial setting.

Qualifications

• 5+ years of commercial real estate finance experience with an owner/operator, financial institution, lender, private credit platform, insurer, or institutional investor.
• Significant experience structuring and executing commercial real estate 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.
• Proven ability to negotiate financing terms and manage transactions through closing.
• Fluent in English and French.
• Strong commercial judgment, communication skills, and ability to operate effectively 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

Financing structuring

Financial modeling

Underwriting

Valuation

Credit analysis

Terms negotiation

English French

Lender relationships

Leadership/mentoring

Job description

Inner Circle Agency Inc. is recruiting for a Vice President, Real Estate Debt & Financing to lead debt financing across Canadian and U.S. portfolios. You will report to the CIO and ownership, shaping financing strategy and lender relationships while mentoring three analysts.

You will oversee underwriting, negotiations, and transaction execution from start to finish, leveraging deep CRE capital market knowledge in a dynamic, entrepreneurial setting.