Job Description

We\xe2\x80\x99re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what\xe2\x80\x99s right for our clients.

At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

To learn more about CIBC, please visit

What you\'ll be doing

As a member of CIBC\xe2\x80\x99s team, the Analyst, Underwriting is responsible for supporting the review and approval of residential mortgage and real estate applications in a timely and effective manner. The role follows detailed instructions and documented procedures to negotiate, approve, recommend, or decline residential secured and unsecured mortgages and real estate applications within established guidelines and authorized lending limits. The Analyst, Underwriting uses judgement regarding priorities and approaches to review credit information by gathering and critically assessing property-specific third party due diligence reports and negotiating terms for marginal applications. The role provides specialized advice and guidance on company policy, procedures, and security value estimates, resolving basic problems within the scope of their job.

At CIBC we enable the work environment most optimal for you to thrive in your role. Details on your work arrangement (proportion of on-site and remote work) will be discussed at the time of your interview.

How you\'ll succeed

Decision- Maker -Negotiate, approve, decline and recommend applications, within established CIBC processes, guidelines and authorized lending limit of up to $1,500,000, including residential mortgage, real estate secured and unsecured applications.

Analytical - Gather, review and assess information and documentation to support each credit application within CIBC risk parameters and Insurers guidelines, if applicable.

Relationship building - Handle, as required, correspondence and telephone inquiries from internal business partners and external business partners such as insurers, appraisers and solicitors.

Risk- Assessment- Review, prepare and make considered recommendations to Manager or senior underwriter where residential mortgage application is above authority limit.

Agile - Manage high work volumes to meet short time lines with a high level of quality and due diligence. You will also be expected to review a variety of lending products on a day to day basis.

Who you are

You can demonstrate experience in dealing with mortgages, real estate secured and unsecured applications. You have excellent proficiency with computer software such as Microsoft Word, Excel, PowerPoint and SharePoint.

You put our clients first. You engage with purpose to find the right solutions. You go the extra mile, because it\'s the right thing to do.

You understand that success is in the details. You notice things that others don\'t. Your critical thinking skills help to inform your decision making.

You give meaning to data. You enjoy investigating complex problems, and making sense of information. You\'re confident in your ability to communicate detailed information with impact.

You\'re digitally savvy. You seek out innovative solutions and embrace evolving technologies.

Values matter to you. You bring your real self to work and you live our values \xe2\x80\x93 trust, teamwork and accountability.

What CIBC Offers

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 MomentMakers, 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 ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.

*Subject to plan and program terms and conditions

What you need to know

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

You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.

Job Location Toronto-81 Bay, 28th Floor

Employment Type Regular

Weekly Hours 37.5

Skills Analytical Thinking, Credit Negotiations, Decision Making, Ensure Compliance, Real Estate Lending, Relationship Building, Residential Mortgages, Risk Assessments, Risk Management and Mitigation, Underwriting

CIBC