Private Banking Solutions
Our strategic approach to private banking
A stronger financial plan is built with better banking tools. CIBC Private Banking creates new possibilities for clients by integrating deposit and lending solutions precisely to fit your needs. From the everyday transactions to complex long-term financing, you’ll have the full breadth of our solutions and experienced team to support you.
Solutions* customized to your unique financial profile to effectively manage
LIQUIDITY
Designing a holistic plan for funds with consideration for your existing cash flow and overall liquidity needs.
LEVERAGE
Approaching obligations thoughtfully, with asset structure, leverage position and tax and estate objectives in mind.
STRATEGIES
A comprehensive understanding of your personal, family and business goals to build solutions serving all aspects of life.
How we're helping clients today
Residential construction management
$4,999,000
Adjustable rate mortgage loan with short-term interest-only draw period
Marketable secured line of credit
$15,000,000
Revolving line for business investments
Multi-family property commercial mortgages
$10,000,000
5-year mini permanent loan to a high net worth family to diversify holdings
Solutions* aligned to your personal objectives and wealth plan
Tailored lending
Leverage the expertise of experienced private bankers to secure a range of customized lending solutions, whether borrowing needs are straight-forward or complex
Examples:
- Secure a commercial mortgage to refinance an income-producing property held in a wealth holding vehicle
- Establish custom lines of credit to finance the purchase of private company stock as part of a corporate recapitalization
- Finance a luxury item like a yacht or aircraft
- A bridge loan to meet an interim liquidity need.
Marketable secured lines of credit
Establish liquidity lines of credit secured by an investment portfolio for flexible, efficient access to capital
Examples:
- Pay tax obligations
- Facilitate the down payment on a new home while waiting to sell an existing home or finance into a longer-term solution
- Preserve your investments and unrealized gains while accessing cash for personal or business needs.
Residential real estate
Secure fixed and adjustable-rate mortgages, Home Equity Lines of Credit (HELOC) and Home Equity Loans (HELO)
Examples:
- Finance purchase of new, primary or secondary homes
- Fund construction of a new primary or second home -one time closing available
- Refinance your primary or secondary home to gain access to liquidity
- Help next generation family members purchase their first home and build a strong credit rating
Deposit and cash management solutions
Our concierge-style service, along with expert advice, makes managing your personal and business cash flow simple. Checking and money market savings options, as well as certificates of deposit (CDs), are offered at competitive rates and terms.
Examples:
- Earn interest on proceeds from a liquidity event while an investment strategy is established and executed
- Establish personal savings and checking accounts for short term cash needs
- Set up accounts for next generation family members
- Open business checking accounts for your wealth holding vehicles and business investments
- Access digital banking solutions and/or establish treasury management services for you and your family office needs
Leader of Private Banking
Kenneth Shogren
Regional Director, Private Banking
*Banking solutions provided by CIBC Bank USA
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