CMLS Financial

Analyst

• Conduct annual loan reviews including affordability testing, DSCR/LTV assessments, and trend analysis to evaluate the performance of your assigned files.
• Handle loan conversions and post-funding requests, ensuring every project stays on track through its term.
• Partner with leaders at top-tier real estate firms to obtain project and financial information.
• Create deal-specific memos for unique credit events, translating complex information into clear, actionable summaries.
• Oversee the collection, review, and tracking of necessary documents for loan conversions and reviews.
• Collaborate daily with a diverse team of account managers, analysts, and funders from coast to coast.

Bilingual Analyst, Portfolio Management

Account Manager

• Drive the financial success of Canada’s affordable housing initiatives.
• Lead the active management and sophisticated underwriting of high-impact ACLP lending opportunities.
• Function as the authoritative primary liaison managing all communications and interactions between the CMHC team and external borrowers/developers.
• Prepare comprehensive credit submissions for recommendation to the CMLS Credit Committee.

Senior Account Manager, Construction Financing – 1-Year Contract

• Act as a key coordinator once a deal is signed, assisting the Origination team in gathering due diligence.
• Develop your technical skills by scrubbing property operating statements and financial data.
• Collaborate with the team to draft Mortgage Presentations.
• Help move deals from the Commitment Letter to the closing table by coordinating with the Funding, Legal, and Origination teams.
• Gain exposure to the fundamentals of CMHC-insured multi-family lending and uninsured deals spanning other asset classes.
• Monitor the real estate landscape nationwide.

Analyst, Commercial Lending

Operations

• As a Commercial Mortgage Operations Administrator, you will play a key role in managing the end-to-end lifecycle of a mortgage portfolio.
• Work closely with borrowers and other external clients to obtain required documentation to ensure compliance with their loan agreement, including collecting, verifying, and tracking financial and property data.
• Facilitate the funding of mortgages originated by our third-party clients and participate in the administration of construction draws.
• Accurately record post-funding transactions in the commercial loan servicing system.
• Manage and execute follow-up tasks associated with the mortgage loan lifecycle.
• Oversee monthly remittances, reconcile trust accounts, and manage automated and manual reports for internal and external clients.

Bilingual Commercial Mortgage Administrator

Underwriter

• Établir et maintenir des relations positives avec les courtiers hypothécaires afin de renforcer leur fidélité envers CMLS Financial.
• Offrir un niveau de service à la clientèle interne et externe exceptionnel tout en répondant aux demandes des courtiers pour bâtir et entretenir des relations solides.
• Maintenir des relations positives avec les partenaires internes et externes, tels que les directeurs régionaux, les bailleurs de fonds, les assureurs hypothécaires, les évaluateurs, les sociétés d'assurance titres et les notaires/avocats.
• Arbitrer les demandes de prêt hypothécaire dans les limites d'autorité établies, tout en veillant au respect des politiques et des directives.
• Proposer des solutions hypothécaires en temps opportun, tout en assurant un haut degré de précision et de qualité des dossiers durant le processus de souscription.
• Gérer efficacement le bassin de prêts approuvés pour s’assurer que les transactions se concluent comme prévu ou qu’elles soient déplacées ou annulées, au besoin.
• S'assurer que la diligence raisonnable a été effectuée pour l'approbation du prêt et avant de confirmer la levée de toute condition ou document hypothécaire, le cas échéant.
• Préparer et émettre des engagements hypothécaires avec les conditions appropriées, en respectant les ententes de niveau de service et les délais d'exécution établis.
• Prioriser les demandes et le flux de travail pour maintenir des évaluations de risques saines et cohérentes, tout en gérant des volumes élevés avec un accent constant sur l'excellence du service.
• Assurer la liaison et le soutien pour tous les partenaires commerciaux.

Souscripteur Hypothécaire – Mortgage Underwriter

Administration

• Manage Tax Deadlines: Take charge of processing municipal tax payments across Canada, ensuring 100% accuracy and strict adherence to timelines.
• Support Our Customers: Act as a helpful point of contact for tax-related inquiries, resolving payment shortfalls and arrears with professionalism and empathy.
• Bridge the Gap: Collaborate daily with municipalities, brokers, and internal departments to keep accounts up-to-date and operations flowing.
• Maintain Digital Integrity: Keep meticulous notes and records in our systems, ensuring all documentation follows company policy and protects client privacy.
• Problem-Solve Daily: Identify and resolve administrative errors or payment hurdles, escalating complex issues to management when needed.
• Improve the Process: Learn our workflows inside and out, offering fresh eyes to help us find better, faster ways to serve our customers.

Residential Mortgage Administrator

Tax Administrator

• You take ownership of the file the moment a loan is funded, ensuring a seamless transition from the closing table to our active portfolio.
• You process essential account changes - such as payment frequency updates, privilege payments, and bank info—turning borrower requests into accurate system entries.
• You manage the complexity of working across our different business lines, ensuring data integrity across multiple software environments.
• You handle the "Day 1" experience by issuing welcome letters and ingestion notes, ensuring new clients have everything they need from the start.
• You act as the operational engine for the Customer Service and Tax teams by resolving technical requests and managing NSF reports to keep the process moving.

Loan Account Administrator

• You take ownership of the file the moment a loan is funded, ensuring a seamless transition from the closing table to our active portfolio.
• You process essential account changes - such as payment frequency updates, privilege payments, and bank info—turning borrower requests into accurate system entries.
• You manage the complexity of working across our different business lines, ensuring data integrity across multiple software environments.
• You handle the 'Day 1' experience by issuing welcome letters and ingestion notes, ensuring new clients have everything they need from the start.
• You act as the operational engine for the Customer Service and Tax teams by resolving technical requests and managing NSF reports to keep the process moving.

Loan Account Administrator – 12-Month Contract

• Provide administrative support to the Commercial Maturities team, ensuring smooth day-to-day operations.
• Support ongoing interaction with investor clients, borrower clients and internal teams to facilitate mortgage extensions, renewals and refinances.
• Conduct due diligence and analyze financial data, credit information, and security assessments for commercial mortgage renewals and refinances.
• Prepare underwriting, summaries, and recommendations for credit risk assessments and renewal/refinance funding requirements.
• Assist with compliance-related tasks and maintain adherence to internal policies, procedures, and investor requirements.
• Monitor market trends and provide insights to support proactive risk management and client retention strategies.
• Collaborate with team members to ensure mortgage maturity deadlines are met.
• Support department projects and initiatives as assigned by the Associate Director, Commercial Origination.

Analyst, Commercial Maturities

• Analyzing and interpreting financial data and credit information on real estate assets and borrower’s, including underwriting property cash flow analysis, valuing real estate assets and assessing suitability.
• Maintaining ongoing interaction with both internal and external stakeholders to ensure thorough underwriting and funding of the loan.
• Working as part of a team in the completion of mortgage presentations, meeting pre-funding conditions and investor instructions to meet all funding requirements within tight deadlines.
• Staying current with market information and commercial mortgage market trends.
• Providing flexible support for emerging priorities and day-to-day team tasks.

Commercial Lending Analyst

Director

• Ensure competitive capital is available for deployment in support commercial loan origination by optimizing vary investor programs.
• Work closely with our investors, commercial origination teams, commercial servicing, and the program team.
• Drive lending volume and profitability through a competitive capital offering and a streamlined process.
• Provide timely and proactive support including: Multi-Family Residential Mortgage (MURM) Capital Markets deal communication.
• Act as the primary lead working with origination teams to navigate capital deployment to secure competitive pricing to win deals.
• Maintain ongoing interaction with the origination team.
• Execute loan sale or mortgage pool sale transactions with investors and related tasks.
• Manage the concise and efficient reporting of available funding capacity to the origination team.
• Develop and maintain strong relationships with investors and stakeholders.
• Support the negotiation of resolution of any issues or conflicts that arise during transaction execution.
• Perform other duties in supporting Capital Markets to achieve its overall targets.

Associate Director, Capital Markets

Customer Support

• Generate and send renewal documents to borrowers accurately and within established deadlines.
• Process renewal confirmations, updated forms, and documents with strong attention to detail.
• Follow up with borrowers regarding outstanding conditions and missing documentation via phone and email.
• Maintain clear, complete, and up-to-date service records for all renewal files.
• Respond to incoming borrower inquiries with professionalism, clarity, and empathy.
• Make outbound calls to follow up on renewals, answer questions, collect missing documentation, and guide clients through next steps.
• Manage high-volume workloads while meeting service levels and processing deadlines.
• Demonstrate excellent listening skills to understand borrower concerns, gather required information, and resolve issues effectively.
• Provide consistent, courteous, and accurate service while promoting a positive customer experience.
• Collaborate with internal teams to ensure smooth handling of complex situations or escalations.
• Accurately record financial transactions in accordance with established parameters.
• Track and manage renewal tasks in internal systems to ensure nothing is overlooked.
• Keep documentation, templates, and process guides up to date on SharePoint.
• Support the team’s workflow by identifying data gaps, inconsistencies, or system issues and escalating them as needed.
• Identify bottlenecks or inefficiencies in service processes and propose practical, creative solutions.
• Participate in special projects, pilots, and improvement initiatives within the service team.
• Share observations about recurring customer issues or operational challenges to improve the renewal experience.
• Contribute to building an efficient, consistent, and customer-focused service culture.
• Work closely with renewal specialists, retention teams, and service operations to ensure smooth transitions and accurate information.
• Support colleagues during peak periods by helping manage call queues, task lists, and renewal follow-ups.

Bilingual Renewal Customer Service

Bilingual

• Handle inbound calls and emails from clients, mortgage brokers and consultants inquiring about early renewals, transfers, maturing loans, payout requests and refinances.
• Support all mortgage retention activities.
• Manage early renewal requests, convert client payout inquiries into sales, and process consolidation and term-extension transactions.
• Conduct regular follow-ups with clients, mortgage brokers and advisors on maturing mortgage loans.
• Negotiate renewals based on predetermined renewal rates and present clients with the best product options.
• Assess client needs and recommend appropriate solutions tailored to those needs.
• Direct referrals for new business opportunities to the network of mortgage advisors.
• Ensure documentation is complete and all compliance requirements are met, and that service level agreements and timely communications are upheld.
• Collaborate with post-sale teams and other nesto business units.
• Escalate complex or unresolved client retention issues to the manager as needed.
• Comply with regulatory and compliance requirements, including AML and counter-terrorist financing reporting obligations.
• Deliver exceptional customer service throughout the retention process.

Bilingual Analyst, Portfolio Management

Senior Account Manager, Construction Financing – 1-Year Contract

Analyst, Commercial Lending

Bilingual Commercial Mortgage Administrator

Souscripteur Hypothécaire – Mortgage Underwriter

Residential Mortgage Administrator

Residential Mortgage Administrator

Tax Administrator

Loan Account Administrator

Loan Account Administrator – 12-Month Contract

Analyst, Commercial Maturities

Commercial Lending Analyst

Associate Director, Capital Markets

Bilingual Renewal Customer Service

Bilingual Renewal and Retention