Senior Analyst Mortgage Investments

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Position Date:

2023-07-12

Title:

Senior Analyst Mortgage Investments

Status:

Full-Time

Salary:

Commensurate with experience

Reports to:

Director, Mortgage Investments

Position Summary

Cameron Stephens Mortgage Capital is looking for a Senior Analyst in our Mortgage Investments Group.

We are always looking for the best and brightest to join our exciting team at Cameron Stephens. In addition to being part of a team with a true entrepreneurial spirit and significant room for growth, we offer a compensation package that includes:

  • Competitive salaries
  • Competitive annual discretionary bonus
  • Comprehensive extended health benefits
  • Educational assistance for professional development and accreditation
  • Market leading RRSP matching program

Who are we?

Cameron Stephens Mortgage Capital Ltd. (“CSMC”) is a leading non-bank lender with offices in downtown Toronto, Calgary, and Vancouver. The company was founded in 2004 and currently has a committed loan book of $3.2 billion. Eighty percent of the loans are funded by institutional investors, and the remaining twenty percent of the loans are funded by private investors. CSMC specializes in commercial real estate loans, particularly land development loans, construction loans, and commercial mortgages, and employs 50+ people.

What you will do:

  • Analyze and structure competitive transactions for all mortgage product types, including land loans, cost to complete construction loans, revolving construction loans, servicing loans, inventory loans, and amortizing term loans;
  • Work closely with the origination department to prepare high-quality Term Sheets / Deal Summaries (loan applications) for Credit and Investor approval, which will contribute towards the overall profitability of CSMC;
  • Assist the origination department to prepare and issue Letters of Intent to clients;
  • Build relationships with the Borrowers to thoroughly understand their needs, and work cohesively with the origination department to ensure transactions are processed in a timely and efficient manner to deliver superior customer service and meet funding deadlines;
  • Work closely with the Underwriting and Portfolio Management team to ensure Term Sheets / Deal Summaries are complete and accurate in preparation of a Loan Summary and funding the transaction;
  • Establishing personal goals and action plans to support CSMC’s business objectives, and demonstrating an ongoing willingness to assume higher degrees of accountability and responsibility;
  • Keep abreast of changes within diverse industry sectors and proactively identify opportunities to improve the growth and development of the assigned transactions by analyzing Client/Borrower needs, trends, and competitor offerings.

What your day-to-day tasks will include:

  • Analyze a variety of commercial real estate transactions including, but not limited to, office, retail, industrial, residential, hospitality, and land;
  • Under the guidance of the Director, complete detailed Term Sheets / Deal Summaries for submission and approval to Investors, which includes creative and disciplined underwriting, thorough market research and accurate transaction representations;
  • Assist the Director in reviewing Term Sheets / Deal Summaries for investor submission;
  • Correspond with the originator, borrower, mortgage and real estate brokers, and other industry professionals to validate and further substantiate the underwriting assumptions and gain a better understanding of particular markets and asset classes;
  • Perform modeling and quantitative analysis related to real estate developments, income-producing properties, and other real estate assets in order to substantiate value and profitability of loan transactions;
  • Review all applicants’ credit worthiness by performing a detailed analysis of personal net worth statements, financial statements, credit reports and other financial data relevant to the borrower and transaction;
  • Identify risks and mitigants related to the loan transactions and the borrower, and make recommendations to Director and Originator;
  • Prepare Letters of Intent consistent with underwriting and approved deal structure;
  • Provide potential investment partners with underwriting and transaction materials to support syndication activities;
  • Respond to Syndication for all Investor inquires.

What you will bring:

  • Post-secondary Degree in Commerce, Business Administration, Economics, or Finance with an educational focus on Real Estate or Land Development, or equivalent (required);
  • 2 or more years of related work experience in the real estate lending industry (required), with Ontario experience preferred
  • Strong personal commitment to professional development;
  • Good knowledge of Finance and a keen interest in the Canadian Real Estate Market/Development Industry;
  • Excellent communication/presentation, interpersonal and team skills;
  • Excellent attention to detail
  • Ability to work independently with confidence and strong commitment to Borrower/Client service;
  • Willingness to work flexible hours, and train both on/off the job to improve general business and lending skills; and
  • Demonstrates a high capacity for increasingly complex workloads.

Experience what makes Cameron Stephens different! What’s in it for you!

  • Opportunity to work within, create, and drive a culture of growth and innovation;
  • Inspire a positive work environment and help champion quality service, innovation, teamwork to assist our Borrowers/Clients meet/exceed their goals;
  • Learn voraciously, stretch you and your team’s thinking, share your knowledge and educate others!
  • Cultivate winning relationships & building trust;
  • Share our commitment to productivity, effectiveness and operational efficiency;
  • Be an agent of change, help others to embrace it and watch amazing things happen!
  • Help your community through a variety of outreach programs

If you are interested in joining a growing firm with a real entrepreneurial spirit, please apply online at https://cameronstephens.com/careers/

While we appreciate your interest in applying, only those candidates whose skills and qualifications closely match the requirements of the position will be contacted. All candidates considered for hire must successfully pass a criminal, education, and credit background checks to qualify for hire.

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.