Senior Analyst, Commercial Financing

Senior Analyst, Commercial Financing First National Financial LP Reporting To: Director, Commercial Financing Job Type: Full-time Posting Date: December 22, 2025 Closing Date: January 5, 2026 Hours of Work: 8:30 a.m. – 5:00 p.m. Grade: 14.2 Office Location: Toronto What We Offer: Highly competitive compensation package including base salary, bonus, benefits, and career advancement opportunities. The Opportunity The Senior Analyst contributes to the production and development of the commercial mortgage portfolio by analyzing financial and supporting documents on incoming applications and ensuring information is consistent with internal, insurer and investor policies. The role focuses on CMHC, construction, and conventional commercial real estate financing requests. How You Will Contribute Analyze financial information on commercial properties including rent rolls, operating statements and financial/net worth statements to assist management in determining the appropriate loan size, terms, conditions and pricing. Review third‑party reports (appraisal, phase I/II environmental reports, engineering reports) to determine compliance with investor requirements, product lending and guidelines, and loan terms and conditions. Review conditions and exception requests and prepare recommendations to credit/investors, ensuring underwriting procedures are in force at all times and senior management authorizes any exceptions. Prepare loan summary including financial analysis and credit documents for the loan approval process. Coordinate with funders, investors, legal, and other third‑party consultants to ensure loan conditions are met. Coordinate with clients, prepare Letters of Interest and Commitment Letters, and manage information flow to ensure smooth loan transactions. Develop and analyze construction/development pro‑forma for various multi‑unit housing type projects. Monitor ongoing construction loan draws, cross‑referencing budgets and ensuring applicable undertakings are performed. Monitor pending and approved loans and any corresponding fees, including a review of any fees currently on deposit with First National. Assist from time to time in preparation for prospect and existing client meetings. Assist in training and mentorship of other team members. Perform other duties as necessary to support the goals and objectives of the commercial mortgage division. Adhere to policies/procedures to ensure AML requirements are met, when applicable. The Experience You Need Experience in commercial real estate lending is a must. Undergraduate Degree and/or MBA with focus in finance or real‑estate related discipline. 2‑3 years’ experience in CMHC and construction financing. Minimum 5 years’ experience in a relative commercial real‑estate role. Experience in development industry, private equity, cost consulting, or accounting with a real‑estate focus is an asset. Knowledge of applicable real‑estate lending regulations is a must. Experience in financial analysis (balance sheet, income statement). Organizational skills to manage several ongoing and competing tasks simultaneously. Strong understanding of legal documentation, ownership structures and AML requirements. Familiarity with principles of property valuation and the construction process. Advanced PC skills, emphasis on Word and Excel. High degree of consistent accuracy and attention to detail. Ability to work with minimum supervision. Results‑oriented and highly motivated self‑starter. Bilingualism (French, English) an asset. Working Environment and Physical Demands Office environment. Periods of high volume with tight timelines. Long periods of stationary sitting. Prolonged periods of repetitive movement (keyboard and mouse). Long periods of viewing a computer screen. Multi‑tasking may include speaking to customers on a telephone call while looking up information on a computer program. Why Join First National? Supportive teamwork focused environment. Collaborative entrepreneurial spirit. Extensive training programs to set employees up for success. Bright open concept office environment. Large kitchens with a coffee and latte maker to enjoy at no cost. Opportunities to give back to the communities and work through events focused on a variety of charities. Ongoing social events throughout the year. The Team You’ll Join Founded in 1988, First National is one of Canada’s largest non‑bank lenders. We provide residential mortgages exclusively through the mortgage broker channel and we are Canada’s largest commercial mortgage lender. First National has been consistently recognized as a great place to work and we are proud that our employee engagement feedback is higher than our industry partners. We would like to thank all applications for their interest in this vacancy; only candidates selected for an interview will be contacted. First National is proud to be an equal opportunity employer and is committed to diversity and inclusion regardless of race, color, religion, national origin, age, gender identity, physical or mental disability, sexual orientation and any other category protected by law. First National supports requests for accommodation from applicants with disabilities; please contact Human Resources at accessibility@firstnational.ca should you need an accommodation at any point in the recruitment process. #FNLOON #J-18808-Ljbffr