Credit Risk Analyst for Multi-Unit Properties

6 days ago


Ottawa, Ontario, Canada Canada Mortgage and Housing Corporation Full time
About CMHC

We are a government-backed organization dedicated to helping Canadians access affordable housing. Our mission is to make a real difference in the lives of Canadians.

Our work is guided by trust, where our leaders favour an adaptive approach based on the needs of their teams. We have flexibility in how, when, and where we work, within the boundaries of the business needs and the nature of your role.

The Role

This is a key position within our insurance and securitization team. As a Credit Risk Analyst for Multi-Unit Properties, you will play a critical role in identifying, understanding, and assessing the risks associated with each multi-unit mortgage loan insurance application.

You will conduct detailed risk analysis involving program/product requirements, including but not limited to an assessment of the property, market, borrower, and loan, which may involve financial, legal, and professional reviews.

You will apply sound judgment and decision-making practices that are factual and based on well-reasoned analysis to derive insurance risk recommendations and mitigation options in line with CMHC's risk appetite.

Exercise prudence and diligence to ensure compliance with all relevant internal policies and procedures applicable to the function.

Maintain quality relationships with clients to understand their needs and objectives and explore opportunities.

Work in a team environment and contribute to service standards and turnaround times.

Engage internal support functions such as legal services, policy, and operations, and borrower analysis to seek clarification and concurrence in support of recommendations.

Requirements
  • Undergraduate degree in a relevant field such as business, finance or commerce.
  • A minimum of five years' experience in credit risk and/or financial analysis.
  • Knowledge of financial analysis and statements, borrower legal structures, and real estate financing.
  • Knowledge of construction financing, multi-unit underwriting, and credit risk analysis.
  • Strong analytical, problem-solving, and decision-making skills.
  • Ability to establish and maintain effective working relationships.
  • Strong understanding of serviced client groups in Canada, including related legal documentation.
Benefits

We offer a comprehensive and generous benefits package, including:

  • An annual individual performance bonus.
  • Group insurance coverage to support your well-being from day one.
  • Support towards your personal and professional growth with training, mentorship, and more.
  • An inclusive workplace culture and environment.
  • Alternative work arrangements may be considered for Indigenous candidates.


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