Senior Analyst - Construction Finance

Senior Analyst, Construction Finance
Toronto, Canada

About Us

Founded in 1974, CMLS Commercial is one of Canada's largest independently owned commercial mortgage services companies, providing financing solutions to real estate owners, developers, institutional investors, and many of the country's leading financial institutions.

Our expertise spans the full commercial mortgage lifecycle—from origination and underwriting to servicing, securitization, mortgage analytics, and market intelligence. Backed by decades of experience and a reputation for innovation, we help clients navigate complex financing opportunities with confidence.

Nesto Group

Nesto Group is Canada's leading provider of mortgage technology and financing solutions, with more than CAD $80 billion in residential and commercial mortgages under administration. Trusted by many of the country's leading financial institutions, we combine over 50 years of mortgage expertise with proprietary cloud and AI technology to transform the future of lending.

Powered by our proprietary cloud and AI technology, nesto has become one of Canada's fastest-growing mortgage lenders, gaining market share across direct-to-consumer (D2C) residential lending, the broker channel, and multi-family commercial lending. Recognized as one of Deloitte's Fast 50 companies for three consecutive years, we continue to push the industry forward through innovation, technology, and customer-focused solutions.

Operating through our family of brands—CMLS, nesto, and Nesto Cloud—our mission is to build Canada's mortgage ecosystem of the future and create a true Canadian champion in lending technology and financial services. Learn more at: https://nestogroup.ca/

Life at CMLS Commercial

At CMLS Commercial, you'll work alongside industry experts on transactions that help shape communities across Canada. Whether you're supporting institutional clients, delivering market insights, or financing landmark developments, you'll be part of a collaborative team where expertise is valued and professional growth is continuous.

Key Responsibilities:

• Lead the active management and sophisticated underwriting of high-impact ACLP lending opportunities, positioning projects for successful execution and funding.
• Function as the authoritative primary liaison, expertly managing all communications and interactions between the CMHC team and external borrowers/developers.
• Prepare comprehensive credit submissions for recommendation to the CMLS Credit Committee and meticulously manage the fulfillment of all conditions precedent for loan funding.
• Control project finances by strictly reviewing, preparing, and validating construction loan draws to ensure adherence to budgetary and Loan Commitment Letter requirements.
• Provide advisory support, offering expert procedural guidance to new ACLP applicants, alongside performing Portfolio Management assistance and Credit reviews.

Skills and Qualifications :

• Post-secondary education in business administration, accounting, finance, real estate, or a related field.
• A genuine passion for commercial real estate and a drive to contribute to complex financing projects.
• 1-3 years years of experience in construction finance and/or commercial underwriting
• You possess the unique ability to seamlessly build strong relationships with both external borrowers/developers and internal partners, utilizing exceptional negotiation, presentation, and conflict management skills.
• You operate with a high degree of ownership and commitment, demonstrating the discipline and organizational skills needed to manage multiple, high-priority tasks simultaneously.
• Highly results-driven with an unwavering attention to detail, ensuring accuracy and efficiency in all underwriting and finance activities.
• Client-facing experience is a required skill for this role.

Benefits 

Why You'll Love Working Here

We believe great people do their best work when they're supported professionally, personally, and financially. That's why we offer a comprehensive rewards package designed to help you thrive at every stage of your career.

Competitive Rewards — Competitive compensation, performance incentives (where applicable), and recognition for your contributions.

Health & Wellness — Comprehensive medical, dental, and vision coverage, Health & Wellness Spending Accounts (where applicable), telemedicine, Employee Assistance Programs, and mental health support for you and your family.

Time to Recharge — Generous vacation (4 weeks), floater days, and statutory holidays to help you recharge.

Planning for the Future — RRSP matching to support your long-term financial wellbeing.

Family Support — Enhanced maternity and parental leave top-up programs.

Learning & Growth — Education assistance, mentorship, training, and opportunities to build your career across Nesto Group.

Tools for Success — Modern technology, collaborative teams, and the resources you need to do your best work.

Diversity, Equity & Inclusion

At Nesto Group, we believe diverse perspectives make us stronger. We are committed to fostering an inclusive workplace where everyone feels respected, supported, and empowered to succeed.

We welcome applications from people of all backgrounds, including Indigenous Peoples (First Nations, Inuit, and Métis), persons with disabilities, members of racialized communities, women, and members of the 2SLGBTQIA+ community.

If you require accommodation during any stage of the recruitment process, we are committed to working with you to meet your needs.

Ready to Join Us?

We value your interest in CMLS Financial. We review applications immediately and will continue until the position is filled. While we thank all applicants for their time, please note that we will only contact those selected for an interview.

The pay range for this role is:

75,000 - 90, 000 $

.