---
title: 'Senior Financial Analyst at Pine'
canonical: 'https://feeny.ai/job/senior-financial-analyst-pine-toronto-f8q7jd99s1dp'
type: 'job'
last_seen: '2026-10-19'
---

# Senior Financial Analyst at Pine

- **Company:** Pine
- **Location:** Toronto, Canada
- **Posted:** 2026-09-28
- **Last confirmed live:** 2026-10-19
- **Apply:** https://job-boards.greenhouse.io/pine/jobs/5436410008

## Job description

## About Pine

At Pine, we're all about transforming the outdated and complicated home financing process, and creating a simpler, faster, and better experience for Canadians. How? With innovative technology and talented, understanding people.

We strive to have a culture where everyone shares ideas and gives input, takes ownership, feels valued and takes pride in their work. We work hard and play hard!

We have strong financial backing from some of North America’s most sought after VC’s and we’re ready to disrupt the Canadian Mortgage Market in a HUGE way!

What you’ll do:

Accounting Support

- Lead the month-end close processes, including reconciliations, bookkeeping review, adjusting entries, and financial statement preparation
- Maintain and reconcile general ledger accounts, including weekly reconciliation of funding remittance and clearing accounts
- Own the accuracy, completeness, and reliability of financial data across multiple subsidiaries
- Ensure compliance with applicable accounting standards and financial reporting requirements
- Research and recommend appropriate accounting treatment for complex or non-routine transactions

Financial Analysis

- Apply a strong understanding of accounting principles to analyze financial statements, identify trends, and generate actionable insights
- Gather and synthesize financial and operational data from multiple sources to track and monitor key performance indicators
- Conduct routine and ad hoc scenario analyses to quantify potential outcomes and assess the financial and revenue implications of business decisions
- Develop clear reporting and analysis that helps management understand business performance, key drivers, and emerging trends

Strategic Business Support

- Partner with management to develop budgets, forecasts, and variance analyses that support strategic decision-making
- Identify and implement opportunities to improve processes, controls, and efficiency across the accounting and finance function
- Own routine and ad hoc reporting for external stakeholders
- Support the Head of Finance with strategic initiatives, financial analysis, and other ad hoc projects

What you’ll bring:

- 5+ years of relevant experience in financial analysis, accounting, corporate finance, or a similar role
- Financial reporting expertise. Strong knowledge of accounting principles and financial reporting standards, with the ability to assess and recommend accounting treatment for complex transactions
- Management reporting. Strong experience with variance analysis, KPI reporting, and developing dashboards or reporting packages that clearly communicate business performance and insights
- Advanced Excel skills. Experience building and managing complex financial models and spreadsheets using advanced formulas, data tools, and/or automation to streamline recurring work
- Critical thinking. Ability to evaluate information objectively, challenge assumptions, and develop data-informed recommendations. Demonstrates strong analytical rigor and attention to detail, including thorough self-review of data, assumptions, and outputs
- Communication skills. Ability to clearly communicate complex financial information and recommendations to both financial and non-financial stakeholders
- Ownership and adaptability. A proactive, ambitious mindset with the ability to take ownership, solve problems, learn new skills as needed, and work effectively both independently and cross-functionally
- Data visualization. Familiarity with analytical tools beyond Excel and the ability to present financial and business data in a clear and intuitive way

Our Commitment to Diversity and Inclusion

We’re committed to growing and empowering a more inclusive community within our company. That’s why we hire and cultivate diverse teams of people from all backgrounds, experiences, and perspectives. We believe that true innovation happens when everyone has room at the table.

If you need any accommodations, please inform Human Resources upon initial connection.

## About Pine

## Company Overview
- **One-liner**: Pine is a digital-first mortgage lender that simplifies home financing for Canadians with a fast, transparent, and low-rate online experience.
- **Entity Type**: Private (Series undisclosed)
- **Headquarters**: Toronto, Ontario, Canada
- **Founded**: 2021
- **Founders**: Justin Herlick (CEO) and Jonathan Shih (CTO)

## Core Business
- **Primary industry**: Financial Services (Mortgage Lending / Fintech)
- **Target customers**: B2C – Canadian homebuyers, homeowners seeking refinancing or renewals
- **Mission or purpose statement**: “Support Canadians through every step of home ownership” – removing complexity and putting clients first.

## Products & Services
- **Pine Mortgage Platform**: A fully online mortgage application and approval process, offering competitive rates with zero hidden fees. Includes tools for refinancing, renewals, and pre-approvals.
- **Pine AI**: An AI-powered assistant that guides borrowers from application to closing, streamlining the experience and reducing paperwork.
- **Homes Discovery Platform**: A home search tool that helps Canadians find listings and compare options (integrated into the Pine ecosystem).

## Market Standing
- **Valuation/Market Cap**: Not publicly available
- **Key Metric**: Total funding not disclosed; however, Pine has funded **over $2 billion in mortgages** and served **100,000+ clients** as of 2024.
- **Notable Investors/Partners**: Not publicly disclosed (company states “Backed by” on its website but does not name specific investors in available material).
- **Growth Signals**:
  - Headcount grew **40.4% year-over-year** (73 employees, with monthly growth of +4.3%).
  - Acquired Properly, Canada’s leading real estate innovator, in October 2023.
  - Named to **LinkedIn’s 2024 Top Startups List in Canada**.
  - CEO Justin Herlick recognized in **Forbes 30 Under 30**.
  - Rated **4.8/5** from 500+ reviews.

## Competitive Advantages
- **Digital-first, human touch**: Fully online application with live mortgage advisors available, combining speed with personalized guidance.
- **Lowest rate guarantee**: Promises competitive rates and zero hidden fees, backed by transparent pricing.
- **Pine AI**: Proprietary AI that automates and simplifies the mortgage journey, reducing friction for borrowers.
- **End-to-end ecosystem**: Integration of mortgage, refinancing, home search, and post-purchase support (via Properly acquisition).

## Strategic Focus
- **Expanding homeownership support**: Following the acquisition of Properly, Pine aims to support Canadians throughout the entire homeownership lifecycle, not just the mortgage origination.
- **Technology-driven growth**: Continued investment in AI and automation to make the process faster and more accessible.
- **Scaling the team**: Actively hiring for roles in engineering, mortgage advising, and business development to support rapid growth.

## Why Work Here
- **Culture**: Described as fun, friendly, and highly driven – with team outings, impromptu product release dance parties, and a “work hard, play harder” ethos.
- **Work model**: Hybrid – “Work from home or office anytime” with a physical office in Toronto.
- **Perks**: Full health and dental coverage, unlimited vacation, snacks, team lunches, and a focus on work-life balance.
- **Engineering environment**: A small but growing team of engineers working with modern tech (React, Kotlin, Python, Figma) reporting directly to the CTO. Opportunity to shape internal processes from the ground floor.
- **Growth opportunity**: Joining a fast-growing startup that has already gained significant traction and recognition, offering the chance to have a high impact.

## Sources
1. [pine.ca/careers](https://www.pine.ca/careers)
2. [pine.ca/about-us](https://www.pine.ca/about-us)
3. [pine.ca/](https://www.pine.ca/)
4. [linkedin.com/company/pine-financial](https://ca.linkedin.com/company/pine-financial)
5. [builtin.com/company/pine](https://builtin.com/company/pine)

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