Commercial Mortgage Analyst

Vault Credit Corporation•Toronto, ON

1d•CA$90,000 - CA$120,000•Hybrid

About The Position

Vault Capital Inc. is a growing commercial lender focused on CMHC-insured multifamily financing across Canada. They combine institutional underwriting standards with the agility and entrepreneurial spirit of a boutique platform, aiming to deliver exceptional execution and a client experience built on trust, responsiveness, and quality of work.

Requirements

1–3 years of experience underwriting CMHC-insured loans across various asset classes.
Deep understanding of CMHC guidelines, underwriting methodology, and the funding process.
Strong analytical and financial modeling skills, with meticulous attention to detail.
Excellent written and verbal communication — able to present information clearly to clients and internal teams.
A service-first mindset: responsive, organized, and committed to delivering on promises.
Self-motivated and accountable, with a track record of producing polished, accurate work under pressure.

Responsibilities

Analyze, structure, underwrite and fund CMHC-insured loans across multifamily, retirement, and student housing, including term, refinance, and construction transactions.
Deliver high-quality financial models, credit analyses, and CMHC submissions that reflect Vault’s commitment to excellence.
Liaise directly with borrowers, brokers, and third-party consultants — ensuring timely, professional communication throughout the deal cycle.
Identify and resolve issues before they become problems, maintaining Vault’s reputation for reliability and execution.
Support the build-out of internal systems, templates, and underwriting standards as Vault continues to grow.
Collaborate closely with origination, credit, and servicing teams to ensure a seamless client experience.