Office Location:Toronto (ON); Calgary (AB); Halifax (NS); Montreal (QC); Ottawa (ON); Vancouver (BC)Travel Requirement:LimitedLanguage Skill Levels (Read/Write/Speak):ZZZSecurity Requirement:Reliability StatusSalary:Our salaries generally range from $104,180.28 to $130,225.36 and are based on qualifications and experience.What’s in it for youAnnual Paid vacation.Annual individual performance incentive.Comprehensive group insurance plan to support your well‑being from day one.Support toward your personal and professional growth with training, mentorship and more.An inclusive workplace culture and environment.While positions at CMHC require some in‑office presence, alternative work arrangements may be considered for Indigenous candidates.About the roleJoin the Apartment Construction Loan Program (ACLP) team, in the Senior Specialist, Multi‑Unit Underwriting position. In this role, you will help advance new housing development across Canada by supporting the delivery of the Apartment Construction Loan Program. You will leverage your financial expertise, underwriting experience and relationship‑building skills to drive the development of rental housing across the country. You will lead risk‑management analysis, decisions and recommendations for approval for the most complex scenarios related to underwriting, file‑specific risk mitigation, optimizing client service and achieving corporate objectives.What you’ll doApply sound judgement and decision‑making practices based on complex financial analysis while making recommendations.Act as a direct lender under the ACLP program: review,



prioritise and underwrite loan applications while assessing financial viability and adhering to the program's policies and operational procedures.Lead underwriting for large‑scale projects, exercising delegated financial authority.Demonstrate leadership by coaching team members and providing guidance on complex, high‑value, or high‑risk financial requests, including the use of technical financial tools.Maintain quality relationships with clients and collaborate with Client Solutions teams to manage and maintain complex and sophisticated external client relationships, to understand their needs, objectives, and explore opportunities.Work in partnership with clients, stakeholders and various levels of government by offering advice, support and alternative solutions.Manage politically sensitive issues by demonstrating critical thinking, judgement and know‑how to find solutions.Implement process improvements for increased efficiencies and enhanced customer experience.What you should haveAn undergraduate degree in accounting, finance, business administration or commerce or a related field.A minimum of seven (7) years of experience in multi‑unit underwriting, as well as credit risk analysis, real‑estate financing, loan adjudication,



mortgage loan insurance and financial markets.Demonstrated experience working with financial viability and loan approvals with specialised knowledge of housing financing.Expert knowledge of underwriting theories, principles and processes.The ability to present ideas in a explicit and convincing manner to facilitate having proposals or plans accepted.The ability to establish and maintain effective relationships and to motivate others, influence and develop their potential.Solid oral and written communication skills, with the ability to clearly convey decisions and address objections.The ability to take initiative and work independently to develop and utilise a network within CMHC.It would be great if you also hadExperience 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 CRF, AACI, CA, CMA, CFA, or CPM.Experience in building reports and/or in using statistical analysis software such as MS Excel.Posting closing dateNote, the competition will remain active until filled.Our commitment to diversity, equity, and inclusionWe’re committed to employment equity and encourage women, Indigenous Peoples, persons with disabilities, veterans and persons of all races, ethnicities, religions, abilities, sexual orientations, and gender identities and expressions to apply. We also welcome applications from non‑Canadians who are eligible to work in Canada.CMHC is an inclusive workplace where diversity of thought – and of people – are recognised, valued, and considered essential to achieving our mission.#J-18808-Ljbffr

📌 Senior, Specialist, Multi-Unit Underwriting - C$104,180.3 - C$130,225.4 A Year (Winnipeg)
🏢 CMHC
📍 Winnipeg