Analyst, Mortgage Investments

1 month ago

Toronto, Canada Cameron Stephens Mortgage Capital Full time

**Analyst, Mortgage Investments**:
**Position Date**:
2024-10-009

**Title**:

- Analyst, Mortgage Investments**Status**:

- Full-Time**Salary**:
Commensurate with experience

**Reports to**:
Director, Mortgage Investments

**Position Summary**:
**About Us**:
Cameron Stephens Mortgage Capital Ltd. (“Cameron Stephens”) is a leading non-bank lender with offices in Toronto, Vancouver, and Calgary. The company was founded in 2004 and specializes in commercial real estate loans, particularly land development loans, construction loans, and commercial mortgages and currently manages $4.0 billion of assets. Complementing our mortgage lending business, Cameron Stephens established Cameron Stephens Equity Capital in 2020 to provide a new product offering to developers while continuing to offer strong risk-adjusted returns to its investors. Our equity team is focused on attracting and supporting best-in-class development partners while delivering market-leading returns for our investors.

**Position Overview**:
Reporting to the Director, Mortgage Investments team, the key responsibilities of the Analyst include but are not limited to:

- 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;
- 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 does the day-to-day involve?**
- 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.

**Experience, Skills and Competencies**:

- Post-secondary Degree in Commerce, Business Administration, Economics, or Finance with an educational focus on Real Estate or Land Development, or equivalent (required);
- 3 or more years of related work experience in the real estate lending industry (required), with Ontario experience preferred;
- Experience with Canada Mortgage and Housing Corporation (CMHC) a definite asset.
- 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.

**What we offer**:

- Competitive salary and bonus structure.
- Compre

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