Tuesday, February 15th, 2022
MIABC Lenders Panel
Sponsored By
![](data:image/png;base64,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)
Moderator
![](/resources/Pictures/Headshots/Derek%20Townsend.jpg)
Derek Townsend
Citifund
Derek Townsend began his real estate career with CitiFund in 2012. Focusing on the rental apartment market, he quickly became CitiFund Capital's leading expert and a market leader in CMHC and conventional financing structures for apartment construction, repositioning and acquisition. CitiFund now represents a robust apartment business with clients ranging from private investors to REITs.
As the leader of the firm's apartment business line, CitiFund has funded over 575 mortgages totaling over $3.3B in debt origination since 2012. Beyond structuring debt, Derek is a dedicated volunteer and leader in the industry and community which provided him he opportunity to be awarded the 2019 Canadian Real Estate Industry Outstanding Young Leader Award. He is in his second, non-concurrent term as an board member with UDI U40, a current board member of Landlord BC, a past board member of MIABC and a mentor to many young professionals in the industry.
Speakers
![](/resources/Pictures/Headshots/Sagert,%20Michael.jpg)
Michael Sagert
CMLS
Mike Sagert is responsible for executing on the corporate strategy for the CMHC Insured Multi Unit business line. Mike has nearly 20 years of experience in the Canadian mortgage industry.
Prior to joining CMLS in January of 2019, Mike spent 11 years at CMHC in various roles including quality assurance oversight, risk management, multi unit underwriting and business development.
![](/resources/Pictures/Headshots/Matt%20Muir%20Pic.jpg)
Matt Muir
Coast Capital
Matt Muir is the Director of Commercial Real Estate at Coast Capital Savings and leads a 10 person team at the downtown Vancouver office. A graduate of UBC’s Sauder School of Business, Matt spent time working in appraisal, brokerage, and land acquisitions before moving into banking and commercial lending with TD Bank, and now Coast Capital.
Coast Capital’s real estate group provides both term and construction financing across all asset types, with loan exposure of over $4B spread throughout BC, as well as major urban markets across Canada.
Garth Stoll
HSBC
Garth Stoll is Vice President and Regional Head of HSBC Bank’s Real Estate Group and based in Vancouver. With 30+ years of real estate banking experience, responsibilities include loan origination, syndications, portfolio management and client engagement/management. While active across asset class lines, he is particularly focused in the areas of development finance and the provision of acquisition debt.
Webinar Details
Link(s) to be sent separately closer to the presentation date.
Tuesday, February 15th, 2022
12:00 p.m. Webinar Start
Cost
(taxes included)
Members - Free
Non MIABC Member - $25
First 10 students FREE, $25 thereafter per student