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About the Role
CIBC Real Estate Finance Division provides financing to real estate companies across Canada. The Associate will support a team dedicated to helping clients with real estate interim and term lending, and client relationship management. This role offers exposure to loan underwriting, credit analysis, and portfolio management.
Responsibilities
- Conduct in-depth company, industry, and portfolio analysis.
- Perform risk assessments for existing and new credit arrangements.
- Complete financial statement analysis, sensitivity and scenario analysis, and valuation of different asset classes.
- Review third-party reports such as environmental reports and appraisals.
- Make presentations to senior management regarding deal structuring.
- Collaborate with internal risk partners to analyze key risks and mitigation strategies.
- Fulfill day-to-day client requests alongside the Relationship Manager.
- Assess client needs, propose solutions, and execute as instructed.
- Prepare client proposals and information memoranda.
- Attend client events, meetings, and site visits.
- Support the end-to-end processing of a loan, from structuring to funding.
- Collaborate with various teams to process loans, open deposit accounts, and review cash management arrangements.
Requirements
- Degree in Business, Finance, Economics, or related field.
- Ability to work well within a group setting.
- Strong client and relationship management skills.
- Demonstrated experience in financial statements and accounting principles to assess lending risk, with emphasis on the real estate industry.
- Aptitude for business development (sales) skills.
- Critical thinking skills to inform decision making.
- Ability to investigate complex problems and make sense of information.
- Ability to communicate detailed information in an impactful way.
- Legally eligible to work at the specified location(s).
- May be asked to complete an attribute-based assessment and other skills tests.
Skills
- Business Banking
- Business Development
- Client Service
- Customer Experience (CX)
- Due Diligence
- Lending
- Portfolio Management
- Preparation of Financial Reports
- Real Estate Financing
- Researching
- Teamwork
Location
- Toronto
Work Type
- Regular
- Full-time
Experience Level
- Associate
Education Level
- Degree in Business, Finance, Economics, or related field
Benefits
- Competitive salary
- Incentive pay
- Banking benefits
- Benefits program
- Defined benefit pension plan
- Employee share purchase plan
- Vacation offering
- Wellbeing support
- MomentMakers recognition program
- Purpose Day (paid day off for growth and development)
About the Company
- CIBC is building a relationship-oriented bank for the modern world.
- We embrace team members' strengths and ambitions, empowering them at work.
- Our team members have what they need to make a meaningful impact and are truly valued.
- CIBC Real Estate Finance Division focuses exclusively on providing financing to real estate companies on both an interim/construction and term basis across Canada.
- Our team is comprised of experienced real estate professionals with offices located in Vancouver, Calgary, Edmonton Toronto, Ottawa, London, Hamilton and Montreal.
- We apply industry expertise to offer full-service financial solutions to real estate companies and users across Canada.
Equal Opportunity
- CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong.
- We seek applicants with a wide range of abilities and we provide an accessible candidate experience.
- If you need accommodation, please contact Mailbox.careers-carrieres@cibc.com.
- CIBC is committed to clarity in our hiring process.
- We use artificial intelligence tools during the recruitment process.