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\xe2\x80\x99ll Be Doing

CIBC 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. We apply industry expertise to offer full-service financial solutions to real estate companies and users across Canada.

Through working closely with Relationship Managers within CIBC\xe2\x80\x99s Real Estate Finance Division, the successful candidate will gain experience in both real estate interim and term lending and the management of key client relationships. The Associate will provide a broad range of analytical and research support to a team who is dedicated to helping the Associate achieve their professional
goals. The incumbent will be involved with a variety of projects to expose them to various aspects of loan underwriting, credit analysis, and portfolio management.

At CIBC we enable the work environment most optimal for you to thrive in your role. To successfully perform the work, you\xe2\x80\x99ll have the flexibility to manage your work activities within a hybrid work arrangement where you\xe2\x80\x99ll spend 2-3 days per week on-site, while other days will be remote.

How You\xe2\x80\x99ll Succeed

• 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 the following:

Financial statement analysis

Sensitivity and scenario analysis

Valuation of different asset classes (ex. office, retail, residential, industrial, etc.)

Reviewing third party reports (ex. environmental reports, appraisals, etc.)

• Collaboration - Making informal and formal presentations to senior management to discuss deal structuring as a part of the deal team. Collaborating with internal risk partners to analyze key risks and mitigation strategies in existing and new credits.

• Client Service - Fulfill day-to-day requests of a portfolio of clients alongside the Relationship Manager. Proactively assess clients\xe2\x80\x99 needs, propose solutions, and execute as instructed by the client. Play a key role in the preparation of client proposals and information memoranda. Attend client events, meetings, and site visits to further develop key client relationships.

• Business Development Support - Play an integral role in the end-to-end processing of a loan (i.e. from structuring to funding). Collaborate with various teams and departments to fulfill day-to-day tasks such as loan processing, opening of deposit accounts including signing authorities, non/negotiable securities, and the review of cash management arrangements.

Who You Are

• You have a Degree in Business, Finance, Economics, or related field.
• You\xe2\x80\x99re motivated by collective success. You are a team player and have the ability 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 can demonstrate experience in financial statements and accounting principles in order to assess lending risk, with specific emphasis on the real estate industry.
• 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 \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, 10th Floor

Employment Type Regular

Weekly Hours 37.5

Skills Analytical Thinking, Real Estate, Relationship Management

CIBC