Bilingual Senior Analyst, Multi-Unit Underwriting (September 2026 Cohort)
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Key skills for this role
About the Role
CMHC is seeking a Bilingual Multi-Unit Underwriter I to join its Insurance and Securitization team starting September 2026. The role involves analyzing mortgage insurance applications for properties with 5 to 24 units, assessing financial and property-related risks, and crafting tailored recommendations.
Key Skills for This Role
Responsibilities
- Conduct detailed multi residential risk assessments for mortgage insurance applications involving properties with 5 to 24 units
- 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
- Apply sound judgment and decision making practices to derive insurance risk recommendations and mitigation options
- Exercise prudence and diligence to ensure compliance with all relevant internal policies and procedures
- Maintain quality relationships with clients to understand their needs and objectives
- 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
Requirements
- Undergraduate degree in a relevant field related to real estate such as business administration, accounting, finance or commerce, or equivalent combination
- Minimum of three years of experience in real estate underwriting, financing, credit risk, or financial analysis
- Strong financial analysis skills, including ability to interpret financial statements and borrower legal structures
- Demonstrated analytical, problem solving and decision making abilities
- Solid oral and written communication skills in both French and English
- Strong interpersonal skills with ability to build and maintain effective relationships with stakeholders
- Highly organized and detail oriented, with ability to manage time effectively and perform under pressure
- Self motivated and able to work independently with minimal supervision
- Commercial underwriting experience is an asset
- Experience or knowledge in property management, real estate appraisal, property inspection, or real estate law is a strong asset
Full Job Posting
About the Role
- At CMHC, we don't just underwrite mortgages, we help shape the future of housing in Canada.
- Join the Insurance and Securitization team as a Bilingual Multi Unit Underwriter I, where you'll be responsible for analyzing mortgage insurance applications for properties with 5 to 24 units.
- In this role, you'll apply your analytical expertise to assess financial and property related risks with each multi unit mortgage loan insurance application, craft tailored recommendations and negotiate terms that align with our underwriting standards.
- Join CMHC's next multi unit underwriter cohort beginning early September 2026.
What You'll Do
- Conduct detailed multi residential risk assessments for mortgage insurance applications involving properties with 5 to 24 units, applying principles of commercial underwriting and complex deal structuring.
- 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.
- Apply sound judgment and decision making practices that are factual and based on well reasoned analysis to derive insurance risk recommendations, and mitigation options in line with CMHC's risk appetite.
- 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 three (3) years of experience in real estate underwriting, financing, credit risk, or financial analysis. Commercial underwriting is an asset.
- Strong financial analysis skills, including the ability to interpret financial statements and borrower legal structures.
- 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.
- Strong interpersonal skills with the ability 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 minimal 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 a strong asset.
- A professional designation in real estate appraisal is considered an asset, particularly as a Chartered Appraiser registered with the Ordre des évaluateurs agréés du Québec (OEAQ) or as an Accredited Appraiser with the Appraisal Institute of Canada (AACI).
- The DAR designation, issued by CNAREA and supported by relevant experience in the appraisal of multi unit residential properties (or equivalent), is also recognized as an asset.
- Other relevant professional designations, such as CFA or CPA, are also considered assets.
Salary
- Our salaries generally range from CAD 73555.31 to CAD 91944.14 and are based on qualifications and experience.
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