Associate, Real Estate Finance

Associate, Real Estate Finance role at CIBC
. The 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. The Associate will gain exposure to real estate lending and the management of key client relationships as part of the Real Estate Corporate Banking team, which provides innovative financial solutions to Canadian REITs, pension funds, and private equity firms.

The incumbent will be involved with a variety of projects to expose them to loan underwriting, credit analysis, and portfolio management.

• Research & Analysis - Responsible for conducting in-depth company, industry, and portfolio analysis. Assist in performing risk assessments for existing and new credit arrangements through completing financial statement analysis, sensitivity and scenario analysis, valuation of different asset classes (e.g., office, retail, residential, industrial), and reviewing third party reports (environmental reports, appraisals, etc.).
• Financial Modelling – Build financial models mainly focused on credit analysis and risk rating evaluation.
• Cross Functional Collaboration and Credit Recommendations - Present informal and formal deal structuring discussions to senior management as part of the deal team. Collaborate with internal risk partners and stakeholders across CIBC (e.g., Investment Banking, Interest Rate Solutions, Debt Capital Markets) to analyze key risks and mitigation strategies in existing and new credits.
• Business Development Support - Fulfill day-to-day requests of a portfolio of clients alongside Relationship Managers. Proactively assess clients’ needs, propose solutions, and execute as instructed by the client. Assist in preparing client proposals and information memoranda. Attend client events, meetings, and site visits to develop key client relationships.
• Portfolio Management Client Service - Play an integral role in end-to-end loan processing (from structuring to funding). Collaborate with various teams to fulfill day-to-day tasks such as loan processing, deposit accounts, signing authorities, non/negotiable securities, and review of cash management arrangements.

• You can demonstrate relevant professional or educational experience (0-2 years) in finance, real estate, lending or related fields. You also have experience with financial statements and accounting principles to assess lending risk, with specific emphasis on the real estate industry.
• You have a degree in Business, Finance, Economics, or related field.
• You’re a team player and able to work well within a group setting. You know that teamwork can transform a good idea into a great one. You know that an inclusive team that enjoys working together can bring a vision to life.
• You put our clients first. You have strong client and relationship management skills. You engage with purpose to find the right solutions.
• You’re goal oriented. You are motivated by accomplishing your goals and delivering your best to make an impact. You demonstrate an aptitude for business development (sales) skills.
• Values matter to you. You bring your real self to work, and you live our values – trust, teamwork, and accountability.

• At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.
• We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and Moment Makers, our social, points-based recognition program.
• Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.
• We cultivate a culture where you can express your…