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Added 2 hours ago
SM
RQ00822 – Systems Testing/QA Specialist – Senior
S M Software Solutions Inc
Toronto, ON
- Internship
We are seeking an experienced Systems Testing/QA Specialist – Senior (QA Lead) with extensive experience in quality assurance, manual and automated testing, and AI-assisted testing for…
Added 2 hours ago
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Director, Communications and Engagement – Redevelopment Projects
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- Full-time
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- Full-time
…WaitWell to external stakeholders, providing mentorship to senior leaders, and supporting a culture of transparency, inclusion, and continuous…
Added 3 hours ago
SM
RQ00822 – Systems Testing/QA Specialist – Senior
S M Software Solutions Inc
Toronto, ON
- Internship
We are seeking an experienced Systems Testing/QA Specialist – Senior (QA Lead) with extensive experience in quality assurance, manual and automated testing, and AI-assisted testing for…
Added 3 hours ago
SM
RQ00822 – Systems Testing/QA Specialist – Senior
S M Software Solutions Inc
Toronto, ON
- Internship
We are seeking an experienced Systems Testing/QA Specialist – Senior (QA Lead) with extensive experience in quality assurance, manual and automated testing, and AI-assisted testing for…
Added 3 hours ago
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Added 5 hours ago
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Senior Manager, Data Governance Implementation
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- $115,000 to $135,000 CAD / year
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Added 6 hours ago
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Senior Business Intelligence Analyst – Commercial Strategy
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Staff Software Engineer - Full-Stack, Solution Architecture
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Added 12 hours ago
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Added 12 hours ago
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Added 13 hours ago
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nesto

Senior Analyst, Construction Finance

Toronto, ON, Canada

Full-time

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Job details

Job type: Full-time
Apply by: Nov 16, 2026
Experience: 1-3 years years of experience in construction finance and/or commercial underwriting
Posting language: English
Posted: Oct 17, 2026

Original job description

Toronto, Canada

About Us

Founded in 1974, CMLS Commercial is one of Canada's largest independently owned commercial mortgage services companies, providing financing solutions to real estate owners, developers, institutional investors, and many of the country's leading financial institutions.

Our expertise spans the full commercial mortgage lifecycle - from origination and underwriting to servicing, securitization, mortgage analytics, and market intelligence. Backed by decades of experience and a reputation for innovation, we help clients navigate complex financing opportunities with confidence.

Nesto Group

Nesto Group is Canada's leading provider of mortgage technology and financing solutions, with more than CAD $80 billion in residential and commercial mortgages under administration. Trusted by many of the country's leading financial institutions, we combine over 50 years of mortgage expertise with proprietary cloud and AI technology to transform the future of lending.

Powered by our proprietary cloud and AI technology, nesto has become one of Canada's fastest-growing mortgage lenders, gaining market share across direct-to-consumer (D2C) residential lending, the broker channel, and multi-family commercial lending. Recognized as one of Deloitte's Fast 50 companies for three consecutive years, we continue to push the industry forward through innovation, technology, and customer-focused solutions.

Operating through our family of brands - CMLS, nesto, and Nesto Cloud - our mission is to build Canada's mortgage ecosystem of the future and create a true Canadian champion in lending technology and financial services. Learn more at: https://nestogroup.ca/

Life at CMLS Commercial

At CMLS Commercial, you'll work alongside industry experts on transactions that help shape communities across Canada. Whether you're supporting institutional clients, delivering market insights, or financing landmark developments, you'll be part of a collaborative team where expertise is valued and professional growth is continuous.

Key Responsibilities

Lead the active management and sophisticated underwriting of high-impact ACLP lending opportunities, positioning projects for successful execution and funding.
Function as the authoritative primary liaison, expertly managing all communications and interactions between the CMHC team and external borrowers/developers.
Prepare comprehensive credit submissions for recommendation to the CMLS Credit Committee and meticulously manage the fulfillment of all conditions precedent for loan funding.
Control project finances by strictly reviewing, preparing, and validating construction loan draws to ensure adherence to budgetary and Loan Commitment Letter requirements.
Provide advisory support, offering expert procedural guidance to new ACLP applicants, alongside performing Portfolio Management assistance and Credit reviews.

Skills And Qualifications

Post-secondary education in business administration, accounting, finance, real estate, or a related field.
A genuine passion for commercial real estate and a drive to contribute to complex financing projects.
1-3 years years of experience in construction finance and/or commercial underwriting
You possess the unique ability to seamlessly build strong relationships with both external borrowers/developers and internal partners, utilizing exceptional negotiation, presentation, and conflict management skills.
You operate with a high degree of ownership and commitment, demonstrating the discipline and organizational skills needed to manage multiple, high-priority tasks simultaneously.
Highly results-driven with an unwavering attention to detail, ensuring accuracy and efficiency in all underwriting and finance activities.
Client-facing experience is a required skill for this role.

Benefits

Why You'll Love Working Here

We believe great people do their best work when they're supported professionally, personally, and financially. That's why we offer a comprehensive rewards package designed to help you thrive at every stage of your career.

Competitive Rewards - Competitive compensation, performance incentives (where applicable), and recognition for your contributions.

Health & Wellness - Comprehensive medical, dental, and vision coverage, Health & Wellness Spending Accounts (where applicable), telemedicine, Employee Assistance Programs, and mental health support for you and your family.

Time to Recharge - Generous vacation (4 weeks), floater days, and statutory holidays to help you recharge.

Planning for the Future - RRSP matching to support your long-term financial wellbeing.

Family Support - Enhanced maternity and parental leave top-up programs.

Learning & Growth - Education assistance, mentorship, training, and opportunities to build your career across Nesto Group.

Tools for Success - Modern technology, collaborative teams, and the resources you need to do your best work.

Diversity, Equity & Inclusion

At Nesto Group, we believe diverse perspectives make us stronger. We are committed to fostering an inclusive workplace where everyone feels respected, supported, and empowered to succeed.

We welcome applications from people of all backgrounds, including Indigenous Peoples (First Nations, Inuit, and Métis), persons with disabilities, members of racialized communities, women, and members of the 2SLGBTQIA+ community.

If you require accommodation during any stage of the recruitment process, we are committed to working with you to meet your needs.

Ready to Join Us?

We value your interest in CMLS Financial. We review applications immediately and will continue until the position is filled. While we thank all applicants for their time, please note that we will only contact those selected for an interview.

The Pay Range For This Role Is

75,000 - 90, 000 $

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More about this job

Responsibilities

Underwrite and manage construction lending opportunities, prepare credit submissions, and oversee funding conditions and construction loan draws for compliance with budgets and loan commitments. Serve as the primary liaison between CMHC and borrowers or developers, while advising applicants and supporting portfolio management and credit reviews.

Requirements

Requires post-secondary education in business administration, accounting, finance, real estate, or a related field, along with 1–3 years of experience in construction finance and/or commercial underwriting. Candidates should bring client-facing experience, strong relationship-building, negotiation, presentation, and conflict-management skills, as well as ownership, organization, and attention to detail.

Skills

Construction Finance
Commercial Underwriting
Credit Analysis
Budget Review
Loan Commitment Compliance
Credit Submission Preparation
Portfolio Management
Negotiation
Presentation
Conflict Management
Financial Analysis
Attention to Detail
Organization

Benefits

Competitive Compensation
Performance Incentives
Recognition
Medical Insurance
Dental Insurance
Vision Coverage
Health and Wellness Spending Accounts
Telemedicine
Employee Assistance Program
Mental Health Support
Four Weeks of Vacation
Floater Days
Statutory Holidays
RRSP Matching
Maternity and Parental Leave Top-Up
Education Assistance
Mentorship
Training

Visa sponsorship

Not detected in the job text

Keywords

Commercial Real Estate
Construction Finance
Commercial Underwriting
ACLP Lending
CMHC
Credit Committee
Credit Submissions
Conditions Precedent
Construction Loan Draws
Loan Commitment Letter
Portfolio Management
Credit Reviews
Borrowers
Developers
Budget Management
Mortgage Financing
Financial Services
Client-Facing Experience
Negotiation
Presentation Skills
Conflict Management
Relationship Management
Financial Analysis

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