Bilingual Multi-unit Underwriter Ii

**Job Requisition ID**: 11486

**Position Status**: Temporary Full Time

**Position Type**:Hybrid

**Office Location**:Ottawa (ON); Calgary (AB); Halifax (NS); Montreal (QC); Toronto (ON); Vancouver (BC)

**Travel Requirement**: Limited

**Language Designation**: Bilingual

**Language Skill Levels (Read/Write/Speak)**: CBC

**Security Requirement**: Reliability Status

**Salary**: Our salaries generally range from $ 84699.11 to $ 105873.89 and are based on qualifications and experience.

About CMHC

The work you do and the work we do together matters. We come to work every day with a common purpose: to contribute to a well-functioning housing system.

At CMHC, we hold ourselves accountable for our **results** and support our colleagues in their achievements. We thrive on collaboration, connecting across CMHC and involving the right people to get our work done. Our leadership style is guided by **trust**, where our leaders favour an adaptive approach based on the needs of their teams.

Join us and be part of a team that's committed to making a real difference and be part of something meaningful.

What’s in it for you

We’ve got the purpose, the people and the perks you need for a fulfilling career. Here’s the comprehensive and generous benefits you get when you’re a contract employee:

- Accrued vacation.
- 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.

About the role

At CMHC, we don’t just underwrite mortgages, we help shape the future of housing in Canada. As the national housing agency and a leader in multi-unit mortgage loan insurance, we support the development of affordable, sustainable, and inclusive communities. Our underwriting decisions directly influence housing policy and enable access to financing for rental housing across the country.

**This is a temporary position with a duration of 13 months.**

**What you’ll do**:

- Conduct in-depth analysis of program and product requirements, as well as financial, legal, property, market, borrower, and loan-level reviews.
- Assess the quality, relevance, and accuracy of third-party property appraisal reports, and provide informed recommendations accordingly.
- 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.
- Collaborate effectively within a team to enhance service standards and improve 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.

**What you should have**:

- An undergraduate degree in a relevant field related to real estate such as business administration, accounting, finance or commerce, or an equivalent combination of education and/or experience.
- A minimum of five (5) years of progressive experience in multi-unit underwriting, with demonstrated ability to independently assess and structure complex deals.
- Strong financial analysis skills, including the ability to interpret financial statements and borrower legal structures.
- Strong knowledge of construction financing, multi-unit underwriting, and credit risk analysis, paired with demonstrated analytical, problem-solving, and decision-making abilities.
- Solid oral and written communication skills in both official languages (French and English), with the ability to clearly convey decisions and address objections.
- Proven leadership with the ability to contribute to the development of underwriting best practices, combined with strong interpersonal skills to build and maintain effective relationships with stakeholders.
- Highly organized and detail-oriented, with the ability to manage time effectively and perform under pressure in high-volume environments.
- Self-motivated and able to work independently with mínimal supervision, demonstrating a commitment to continuous improvement and a proactive approach to learning and development.

**It would be great if you also had**:

- Experience or knowledge in property management, real estate appraisal, property inspection, or real estate law is considered an asset.
- Successful completion of a professional association designation such as Certified in Real Estate Finance (CRF), Accredited Appraiser Canadian Institute (AACI), Chartered Accountant (CA), Certified Management Accountant (CMA), Chartered Financial Analyst (CFA), or Certified Property Manager (CPM).
- Experience in building reports and/or in using statistical analysis software such as MS Excel.

**Posting closing date**: Note, the competition will remain active until filled.

Our commitment to diversity, equity, and inclusion

CMHC is an inclusive workplace w