Scott Sadleir – Associate 

Phone: (416) 792-4705

Originally from Perth, Australia, Scott joined Terra Firma Capital Corporation in August 2015 as an Associate.

In his role, Scott is responsible for the end to end lending activities of US and Canadian real estate debt transactions. His duties include the origination, structuring, underwriting and closing of new real estate development and investment opportunities.

Prior to joining Terra Firma, Scott worked for the Commonwealth Bank of Australia as an Analyst in the Real Estate Finance Division. In this role, he was responsible for preparing credit submissions for investment and development funding of corporate facilitates up to $150M. Here he gained exposure to retail, commercial, industrial, residential apartments, broad-acre subdivisions, hospitality and specialized transactions. During this time he participated in a short term secondment to the Corporate Finance Division gaining exposure in cash flow lending, corporate lending structures, risk analysis and financial modelling.

Scott graduated from Curtin University in Perth, Australia, with a Bachelor of Commerce majoring in Finance and Real Estate.


Jessie (Jasheta) Govindarajan
– Junior Analyst

Phone: (416) 792-4716

Jesse joined Terra Firma Capital Corporation in October 2015 as a Junior Analyst.

In her role, Jessie is responsible for overseeing asset management, maintaining project pipelines, creating investor reports, and preparing detailed analysis for project investment evaluations.

Prior to joining Terra Firma, Jessie worked for CIBC as a Mortgage Analyst. During her time there she was responsible for: conducting risk analysis of various fixed income products, assisting with preparation and distribution of industry research reports, as well as maintaining various research databases. Before joining CIBC Jessie also worked with Toronto Central Community Care Access Centre as a Business Intelligence Assistant.

Jessie graduated from the University of Waterloo in 2014 with a Bachelor of Economics and Finance. During her time in school she took part in a number of associations, clubs and sports teams including; Basketball, and Volleyball.

Jessie successfully completed her Canadian Securities Course through the Canadian Securities Institute (CSI) and currently holds status as a CFA Level III Candidate.


Kristen Carmichael   Office Manager

Phone: (416) 792-4719 

Kristen joined Terra Firma Capital Corporation in November 2015.

As the Office Manager Kristen is involved in overseeing daily office operations, vendor and supplier management, marketing, social media monitoring and content creation, event planning, and coordinating with staff. In addition, Kristen acts an as executive assistant to the Vice Chairman and Management team.

Prior to joining Terra Firma, Kristen worked as a full-time mortgage sales manager, selling various real estate investments, and managing a team of inside sales associates. Prior to this Kristen held various sales, marketing and event coordinator roles.

Kristen graduated from Conestoga College in 2011 with her advanced Diploma in Business Administration Management. In addition, Kristen attended the Semester at Sea Program though the University of Virginia studying various business and economic development courses while travelling around South America to complete volunteer projects. Kristen has also completed various leadership training courses and received her Leadership Success Certificate through the Diamond Management Institute.

Kristen is a licensed Mortgage Agent through the Financial Services Commission of Ontario and is working towards completing her MBA.


Kathy Guan Controller                                                                

Phone: (416) 792-4712

Kathy joined Terra Firma Capital Corporation in January 2013 as Controller.

Working in hand with the CFO, Kathy is responsible for the company’s financial statements, general ledger, cost accounting, accounts payable and receivable, budgeting, tax compliance, and various special analyses. In addition, Kathy is responsible for production of financial reports, and maintaining accounting records, while ensuring that all reported results comply with generally accepted accounting principles or international financial reporting standards.

Kathy is a Certified Public Accountant, a Certified General Accountant, and a Certified Internal Auditor.