Senior Analyst, Construction Finance

Toronto, ON, Canada

Full-time

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Job details

Job type: Full-time
Experience: 1-3 years years of experience in construction finance and/or commercial underwriting
Posting language: English
Posted: Sep 1, 2026

Original job description

Senior Analyst, Construction Finance (12 to 18 Month Contract)

Toronto, Canada

Who Are We?

At CMLS Financial, we strike a unique balance: the financial strength of a 50-year industry leader with the energy of a dynamic, fast-paced firm.

Growth & Exposure: With over $45 billion in assets under administration, our "booming" business means you gain high-level exposure and real opportunities for career advancement.
Supportive Culture: We are professional yet enjoyable. We provide a challenging environment supported by a team that wants you to succeed.
National Reach: Work with Canada’s most prominent banks, investment managers, and pension funds from a platform with offices coast to coast.

Drive the financial success of Canada’s affordable housing initiatives. As a Construction Finance Account Manager in our Toronto office, you will be deeply involved in executing the CMHC Apartment Construction Loan Program (ACLP). Your expertise will govern key activities, including project-specific underwriting, structuring complex loans, securing necessary approvals, and managing the detailed process of loan advances and construction monitoring.

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.

What We Offer

Comprehensive Health Coverage: Top-tier extended health, dental, and vision coverage, featuring 100% drug coverage.
Health & Wellness Spending Account: A $1,500 combined annual flex fund for things like gym memberships or extra medical needs.
Generous Paid Time Off: 4 weeks of vacation plus 8 personal floater days.
Retirement Savings: Access to a group RRSP/DPSP plan featuring competitive company-matching contributions.
Telemedicine Services: Access via Dialogue and coverage for licensed practitioner services.
Family Support: Robust Maternity and Parental Leave Top-Up programs.

Equal Opportunity Employer

CMLS Financial is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We welcomed applications from all qualified candidates, including Indigenous peoples (First Nations, Inuit, and Métis), persons with disabilities, women, and members of visible minorities and LGBTQ2+ communities.

Disability-related accommodations are available on request for candidates taking part in all aspects of the selection process.

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

Lead the underwriting and management of CMHC Apartment Construction Loan Program opportunities, including structuring complex loans and securing approvals. Manage communications between CMHC and external borrowers while validating construction loan draws and providing procedural guidance.

Requirements

Requires a post-secondary degree in business, finance, or a related field and 1-3 years of experience in construction finance or commercial underwriting. Candidates must have strong client-facing skills and the ability to manage multiple high-priority tasks with high attention to detail.

Skills

Construction Finance
Commercial Underwriting
Loan Structuring
Credit Analysis
Portfolio Management
Negotiation
Presentation Skills
Conflict Management
Financial Analysis
Budgetary Review
Project Finance

Benefits

Extended Health Coverage
Dental Coverage
Vision Coverage
100% Drug Coverage
Health & Wellness Spending Account
4 Weeks Vacation
8 Personal Floater Days
Group RRSP/DPSP Plan
Company-matching Contributions
Telemedicine Services
Maternity Leave Top-Up
Parental Leave Top-Up

Visa sponsorship

Not detected in the job text

Keywords

CMHC
ACLP
Construction Finance
Commercial Real Estate
Underwriting
Loan Advances
Credit Committee
Loan Commitment Letter
Portfolio Management
Financial Services
Affordable Housing
Credit Submissions

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