Senior Analyst, CMHC

The successful candidate will play a vital role in the underwriting and execution of KV Capital's CMHC-insured multi‑family lending platform. This will entail:

• Taking ownership of the underwriting and CMHC insurance submission process for CMHC-insured multifamily mortgage opportunities sourced by the Origination team.
• Independently assessing credit, valuation, and program risk to build well-supported, defensible underwriting recommendations.
• Managing the CMHC submission and query process directly, working with CMHC underwriters through to Certificate of Insurance issuance and funding.
• Coordinating directly with brokers, and on direct deals, Borrowers, to fulfill underwriting requirements.
• Supporting the Origination team through the deal lifecycle from application to funding.

Role Summary

The successful candidate will play a vital role in the underwriting and execution of KV Capital's CMHC-insured multi‑family lending platform. This will entail:

• Taking ownership of the underwriting and CMHC insurance submission process for CMHC-insured multifamily mortgage opportunities sourced by the Origination team.
• Independently assessing credit, valuation, and program risk to build well-supported, defensible underwriting recommendations.
• Managing the CMHC submission and query process directly, working with CMHC underwriters through to Certificate of Insurance issuance and funding.
• Coordinating directly with brokers, and on direct deals, Borrowers, to fulfill underwriting requirements.
• Supporting the Origination team through the deal lifecycle from application to funding.

Success will be dictated by your ability to independently underwrite complex CMHC‑insured transactions with sound judgment, manage the CMHC process to a timely and successful Certificate of Insurance, and be a reliable, detail‑oriented partner to Origination, Credit, and CMHC throughout each transaction.

In collaboration with KV Capital’s Origination team, you will be responsible for:

• Independently underwriting CMHC‑insured multifamily term and construction mortgage applications, including complex loan applications along with MLI Select and MLI Standard, applying CMHC's HB‑2 underwriting framework and program parameters.
• Conducting in‑depth review of corporate financial statements and tax filings to independently determine deal viability, applying sound judgment to reconcile CMHC‑provided benchmarks and metrics against deal‑specific facts, and determining which inputs and assumptions most appropriately apply to a given transaction.
• Identifying, quantifying, and evaluating key risks and available mitigants across market, borrower, property and structural factors, and maintaining working papers to support underwriting recommendations.
• Preparing credit submissions to the Credit team, clearly presenting deal structure, risks, mitigants, and underwriting recommendations through Loan Summaries.
• Preparing and submitting CMHC mortgage loan insurance application packages and managing subsequent CMHC queries and information requests directly from issuance of the Certificate of Insurance to funding.
• Coordinating directly with brokers on deal‑specific underwriting requirements, including document requests, outstanding conditions, and closing timelines.
• On direct (non‑brokered) deals, managing underwriting requirements directly with the Borrower, including document collection, conditions, and process management.
• Working with the internal Capital Markets team to execute rate locks and manage related timing and logistics ahead of funding.
• Managing and maintaining deal‑related information and activity within the CRM.
• Working with Origination, clients, and industry contacts to maintain positive, professional relationships…