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Added 57 mins ago
Retail Store Coordinator
TJX Canada – Winners, Marshalls, HomeSense
Fort St. John, BC
Full-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 1 hour ago
Associé / Associée de magasin de détail Temps partiel Winners - Smart Centres Victoriaville
The TJX Companies, Inc.
Victoriaville, QC
Part-time
Added 1 hour ago
Retail Store Associate Part Time Seasonal Marshalls - Lawrence Allen Centre
The TJX Companies, Inc.
Toronto, ON
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 1 hour ago
Retail Store Associate Part Time Winners HomeSense South Regina
TJX Canada – Winners, Marshalls, HomeSense
Regina, SK
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 1 hour ago
Retail Store Associate Part Time Winners
TJX Canada – Winners, Marshalls, HomeSense
New Westminster, BC
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 1 hour ago
Retail Store Associate Part Time Winners – Yonge & Dundas
TJX Canada – Winners, Marshalls, HomeSense
Toronto, ON
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 1 hour ago
Retail Store Associate Full Time Winners - Portland Street
TJX Canada – Winners, Marshalls, HomeSense
Dartmouth, NS
Full-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 1 hour ago
Retail Store Associate Part Time Winners/HomeSense - Collingwood
TJX Canada – Winners, Marshalls, HomeSense
Collingwood, ON
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 1 hour ago
Temporary Part Time Retail Store Associate Winners/Homesense - Crossiron Mills
TJX Canada – Winners, Marshalls, HomeSense
Rocky View No 44, AB · Rocky View County, AB
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 2 hours ago
Part Time
TJX Canada – Winners, Marshalls, HomeSense
Surrey, BC
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 2 hours ago
Retail Store Associate Part Time HomeSense- Lansdowne
TJX Canada – Winners, Marshalls, HomeSense
Richmond, BC
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 4 hours ago
Retail Store Associate, Part Time, Marshall John Streets
TJX Canada – Winners, Marshalls, HomeSense
Toronto, ON
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 5 hours ago
Learning and Development Advisor
Indigenous Perspectives Society
Vancouver, BC
Full-time
Collaborate with the Associate Manager, Corporate Learning, fellow Learning & Development Specialists and/or other members of the Organizational Development & Change Management teams to…
Added 5 hours ago
Retail Store Associate Part Time Winners
The TJX Companies, Inc.
New Westminster, BC
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 6 hours ago
Associate Project Manager - Bilingual
Softchoice
Toronto, ON · Ottawa, ON · Oakville, ON · Montreal, QC
We are on a mission to help our clients realize the full value of their technology investments - and we are looking for an Associate Project Manager to help make that happen.
Added 6 hours ago
Temporary Part Time Retail Store Associate Winners/Homesense - Crossiron Mills
The TJX Companies, Inc.
AB
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.
Added 7 hours ago
Associate Optometrist (Kelowna, British Columbia, V1Y 6H2, Canada)
Eyes On Eyecare
Kelowna, BC
Part-time
The Associate Optometrist is a leader in the organization, delivering the brand promise, experience & the organization’s key results through collaboration & teamwork. Ensures all patients…
Added 7 hours ago
Corporate Tax Partner
DSW ABL Advisory
Burlington, ON
Full-time
Corporate Tax – Pathway to Partner Opportunity
Added 8 hours ago
Research Associate
RI-MUHC | Research Institute of the MUHC | #rimuhc
Montreal, QC
Full-time
…motivated person to fill the position of full-time Research Associate. The team specializes in genetic white matter diseases, leukodystrophies, and related disorders. Under the direction of…
Added 8 hours ago
Project Manager, Capture and Optimization of Research Data (CORD) Platform
RI-MUHC | Research Institute of the MUHC | #rimuhc
Montreal, QC
Full-time
…operations across the full study lifecycle. Reporting to the Associate Director (scientific) and the CORE Manager (administrative), the incumbent will support Principal Investigators with…
Added 9 hours ago
Field Service Representative, Water Treatment
Nalco Water, An Ecolab Company
Quebec, QC
Full-time
…required to travel to the US to attend technical training at our corporate headquarters and will need to be able to communicate with a larger team across Canada and the…
Added 10 hours ago
Field Service Representative, Water Treatment
Ecolab Inc.
Quebec, QC
Full-time
…required to travel to the US to attend technical training at our corporate headquarters and will need to be able to communicate with a larger team across Canada and the…
Added 12 hours ago
Corporate Tax Partner
DSW ABL Advisory
Burlington, ON
Full-time
Corporate Tax – Pathway to Partner Opportunity
Added 12 hours ago
Valuations Complex Financial Instruments, Associate
PwC Canada
Toronto, ON
Full-time
…financial reporting, taxation, private capital investments, and corporate decision-making. Working alongside experienced professionals, you will help clients navigate complex transactions…
Added 14 hours ago
Retail Store Associate Part Time Winners – Yonge & Dundas
The TJX Companies, Inc.
Toronto, ON
Part-time
Support for you and your family through our Associate and Family Assistance programs, offering helpful resources and services to enhance your well-being.

Cameron Stephens

CAREERS

Toronto, ON, Canada

Job type: Full-time
Apply by: Oct 6, 2026
Posting language: English
Posted: Jun 16, 2026

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Original job description

Full-TimeToronto, ON$80,000 to $100,000Associate Director

We are seeking an Associate that will play a critical role in both underwriting new CMHC-insured construction and term loans and managing an active loan portfolio. This dual-function position bridges front-end deal execution and post-funding account management. The individual is responsible for financial analysis, underwriting, documentation, and managing internal workflows across the entire loan lifecycle, ensuring deals are executed with discipline, precision, and a client-first approach. They will also play a key role in communicating with and preparing the underwriting package for CMHC to obtain the Certificate of Insurance (COI) for each insured loan.

Key Responsibilities

Deal Intake & Pipeline Management

Conduct intake for new transactions within 24 hours, providing initial financial models and written recommendations.
Maintain and update deal data with precision and completeness across systems, primarily Salesforce.

Deal Structuring & Credit Committee Preparation

Structure deals and prepare financial models under the guidance of the Associate Director
Prepare and update Term Sheets and draft Letters of Intent (LOIs) for borrower execution.
Assemble deal materials for the Internal Credit Committee (ICC) and incorporate their feedback.
Conduct market analysis and perform detailed borrower and guarantor covenant analysis, which includes review of personal net worth statements, corporate financial statements, cash flow statements, etc.

Due Diligence & Underwriting

Lead collection of borrower due diligence and KYC documentation in accordance with AML legislation.
Finalize underwriting models and complete underwriting checklists.
Draft comprehensive Loan Summaries based on approved terms.
Prepare underwriting package for submission to CMHC to obtain the COI for each insured loan.
Act as the key contact person for both investors and CMHC; respond to questions and documentation requests and negotiate deal terms.

Documentation & Funding Preparation

Prepare Commitment Letters and Funding Packages (including fee schedules, etc.).
Coordinate and track revisions, approvals, and borrower signoffs.
Ensure complete and accurate Salesforce records, including regulatory and investor fields.

Post-Funding Account Management

Oversee a portfolio of active loans post-funding.
Prepare annual review packages (net worth/covenant analysis, rent rolls, NOI and DSCR calculations) and quarterly loan performance updates.
Conduct ongoing loan covenant monitoring.
Communicate proactively with borrowers and flag issues to the Associate Director

Amendments, Extensions & Renewals

Prepare memos, amendment letters, extension/renewal requests and letters, and associated Funding Packages.
Initiate contact with borrowers at least 120 days prior to loan maturity to discuss project progress/status and if an extension or renewal is required.
Ensure full documentation is obtained and reflected in Salesforce.

Communication, Reporting & Leadership

Attend weekly team meetings fully prepared with updated deal statuses.
Submit “Must-Win” priorities weekly to the Associate Director
Demonstrate proactive ownership of files and internal coordination.

Initiatives to Support Strategic Growth of CMHC Business

Liaise with external investors to obtain pricing, loan amounts, and key metrics to support the preparation and issuance of LOIs to borrowers
Work with external investors to ensure term loans are optimized for inclusion in the applicable CMB/MBS pool
Act as an internal resource to the Origination Team for deal structuring, CMHC requirements/guidelines, and pricing parameters

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

Authenticity: We are genuine, transparent, and honest. We build trust through open communication and consistent actions.
Urgency: We move with purpose and pace. We respond quickly and act decisively, knowing that speed matters in our business.
Intellectual Curiosity: We ask questions, challenge assumptions, and never stop learning. We seek out better ways to solve problems.
Loyalty: We are committed to our clients, our colleagues, and our company. We support one another and stick with our commitments.
Entrepreneurial Mindset: We take initiative, embrace accountability, and push beyond the expected. We think and act like owners.
Respectfully Confident: We know our strengths, lead through actions, and stay grounded. We let results speak for themselves.

Key Competencies & Skills

Strong commercial real estate financial modeling capabilities.
Thorough understanding of CMHC guidelines, underwriting methodology, and funding process.
Superior organizational and project management skills.
Attention to detail and commitment to documentation accuracy.
Ability to manage multiple deals concurrently and meet deadlines.
Excellent verbal and written communication skills.
Professional judgment and client-first mindset.
High proficiency in Excel, Word, and Salesforce.

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
Professional development opportunities
Company-wide team building events

We are committed to providing equal opportunities for persons with disabilities. Accommodations are available at all stages of the recruitment process, at the candidate’s request.

FOLLOW US ON LINKEDIN!

Toronto: 416-591-8787

Calgary: 403-797-4828

Vancouver: 604-551-4114

Contact Us

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More about this job

Responsibilities

The role involves underwriting new CMHC-insured construction and term loans while managing an active loan portfolio. Key duties include financial modeling, preparing credit committee materials, and coordinating with CMHC to obtain Certificates of Insurance.

Requirements

Candidates must possess strong commercial real estate financial modeling skills and a thorough understanding of CMHC underwriting and funding processes. Proficiency in Salesforce and Excel, along with superior organizational and communication skills, is required.

Skills

Commercial Real Estate Financial Modeling
CMHC Guidelines
Underwriting
Loan Portfolio Management
Salesforce
Credit Analysis
Due Diligence
KYC Documentation
AML Legislation
Market Analysis
Project Management
Financial Analysis
Excel
Word
Communication Skills
Professional Judgment

Benefits

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

Visa sponsorship

Not detected in the job text

Keywords

CMHC
Commercial Real Estate
Underwriting
Loan Portfolio
Financial Modeling
Salesforce
Credit Committee
Term Sheets
LOI
KYC
AML
COI
Net Worth Statements
Cash Flow Statements
DSCR
NOI
Rent Rolls
CMB/MBS Pool
Due Diligence
Financial Services
Covenant Analysis
Loan Lifecycle
Funding Packages
Asset Management

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