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At CMHC, we trust you to get the job done. Since January 2019, we’ve shifted from managing people to managing work. Each employee is 100% autonomous and accountable. You can choose where you need to be and when you need to be there to meet your objectives. You’re in control of your time and are trusted to make the right decisions.

Bilingual Specialist, Assisted Housing (Position can be located anywhere in Canada)


Help make a difference for Canadians. CMHC’s aspiration is that by 2030, everyone in Canada has a home that they can afford and that meets their needs. All of our programs and activities support this singular goal.

Be part of an inclusive workplace. Diversity and Inclusion guides everything we do at CMHC. We’re taking concrete actions to eliminate racism and embed equity into our culture, processes, programs, and policies so that they reflect the lived experiences of all Canadians.

Join the Client Operations Team, where we make delivering housing affordability solutions easy. The Specialist will oversees administration and decisions relevant to underwriting, servicing and lending activities for the purpose of mitigating risks, optimizing client service and achieving corporate objectives. Provides superior quality service to enhance the corporate image and maintain sound business relationships with industry clients


• Negotiating terms and conditions and providing guidance to clients using knowledge of practices and policies pertaining to program funding, finance, law, property management, and mortgage underwriting policies and procedures for social and market housing.
• Preparing and supporting our clients in the execution of loan agreements and supporting documents in consultation with legal partners.
• Recommending funding advances and monitoring the ongoing construction of housing projects.
• Reviewing and analyzing complex funding commitments and providing recommendations for legal contracts, funding strategies and construction advancing.
• Performing in-depth analysis of legal documentation and professional third-party reports, such as appraisals, quantity surveyor reports and environmental site assessments, to assess risks to CMHC and recommend appropriate solutions.
• Analyzing complex files to derive recommendations and solutions in line with the expected results of the programs and government expectations and within CMHC’s risk appetite.
• Providing expertise and advice on relevant programs, policies, products and services.
• Establishing and maintaining meaningful relationships with clients and other relevant stakeholders to gain a thorough understanding of the operations and environment, to facilitate reviews and analysis of documents.
• Leveraging financial and policy authorities to recommend exceptions, when applicable, while designing new solutions.

Minimum qualifications:

• Bachelor’s degree in business administration, commerce or real estate law.
• Minimum of five years of experience in real estate law, construction financing or commercial banking.
• Demonstrated analytical experience dealing with complex legal matters, including loan agreements, operating agreements, construction lien acts, leasehold agreements, personal property security, land title registration, loan guarantees, and the interpretation of complex land title searches in various provinces and territories.
• Demonstrated client management skills with the ability to negotiate with clients and arrive at acceptable solutions, sometimes in controversial conditions and tight time constraints.
• In-depth knowledge of risk factors related to loans for affordable housing projects.
• Strong knowledge of procedures, policies, regulations and risk management.
• Strong decision-making skills.
• Excellent oral and written communication skills.

Preferred qualifications:
• Certified in Real Estate Finance (CRF), Certified Property Manager (CPM), Chartered Financial Analyst (CFA), Professional Quantity Surveyor (PQS), Canadian Risk Manager (CRM) or Accredited Appraiser Canadian Institute (AACI) designation will be considered an asset.

• Understanding of social and affordable housing programs.
• Knowledge of multi-unit residential lending industry and practices
• Experience in construction loan management or
• Knowledge of market trends and developments in Canada and of industry partners.


Posting closing date: Note, the competition may remain active until filled.


CMHC values diverse backgrounds and experience and welcomes non-Canadians who are eligible to work in Canada to apply!


We sincerely thank all candidates for their interest, however, please note that only applicants selected for further consideration will be contacted. If selected for an interview or testing, please advise us if you require an accommodation.


Job Requisition ID: 5466  

Language Designation: Bilingual 

Language Skill Levels (Read/Write/Speak): CBC 

Travel Requirement: Travel not required 

Office Location: Calgary (AB); Charlottetown (PE); Edmonton (AB); Halifax (NS); Moncton (NB); Montreal (QC); Ottawa (ON); Quebec (QC); Saskatoon (SK); St. John's (NL); Thunder Bay (ON); Toronto (ON); Vancouver (BC); Winnipeg (MB); Yellowknife (NT)

Other Location(s):