Location:

Location: Toronto, Canada

Job Description

We are seeking a full-time Implementation Consultant to support the delivery of Commercial Lending Lifecycle solutions. The ideal candidate will bring deep expertise in commercial lending, loan origination systems (LOS), and client-facing implementation projects, with the ability to manage multiple engagements effectively.

• Lead the implementation on Lending Suite solutions for clients
• Drive client discussions, workshops, and project execution activities
• Manage multiple client programs simultaneously, ensuring timely delivery
• Demonstrate strong understanding of the end-to-end commercial loan origination and approval process, including roles of lenders, relationship managers, and underwriters
• Ensure alignment with lending regulations and compliance requirements

Functional Expertise

• Interpret financial spreads for individuals and businesses, including:
  • Financial ratios
  • Combined financial statements
  • Global cash flow analysis
• Evaluate covenants, including calculation, tracking, and testing
• Understand credit approval processes, authorities, and internal controls
• Analyze key risk metrics such as Probability of Default (PD) and Loss Given Default (LGD)
• Demonstrate knowledge of:
  • Commercial loan types
  • Collateral structures
  • Deal structuring practices
• Review and interpret key business documents such as term sheets and credit proposals
• Analyze financial statements including balance sheets, income statements, and cash flow statements

Required Skills & Experience

• Minimum 8 years of experience in the banking industry
• Hands-on implementation experience with at least one of the following platforms:
  • Abrigo
  • nCino
  • Fusion
  • LaserPro
  • FIS Commercial Loan Origination
  • Fiserv Originate
  • Moody's CreditLens
• Strong proficiency in Microsoft Office tools
• Proven ability to manage client interactions and lead implementation engagements
• Excellent communication and presentation skills

Domain Experience

• Minimum 5 years of experience in commercial banking/lending, preferably including CRE (Commercial Real Estate) or IRE (Income Real Estate)
• At least 5 years of commercial underwriting experience
• Familiarity with:
  • Rent rolls
  • Unit mix analysis
  • Net operating income statements

The base compensation range for this role in the posted location is: $70000 - 100000/per annum.

Capgemini provides compensation range information in accordance with applicable national, state, provincial, and local pay transparency laws. The base compensation range listed for this position reflects the minimum and maximum target compensation Capgemini, in good faith, believes it may pay for the role at the time of this posting. This range may be subject to change as permitted by law.

The actual compensation offered to any candidate may fall outside of the posted range and will be determined based on multiple factors legally permitted in the applicable jurisdiction.

These may include, but are not limited to: Geographic location, Education and qualifications, Certifications and licenses, Relevant experience and skills, Seniority and performance, Market and business consideration, Internal pay equity.

It is not typical for candidates to be hired at or near the top of the posted compensation range.

In addition to base salary, this role may be eligible for additional compensation such as variable incentives, bonuses, or commissions, depending on the position and applicable laws.

Capgemini offers a comprehensive, non-negotiable benefits package to all regular, full-time employees. In the U.S. and Canada, available benefits are determined by local policy and eligibility and may include:

• Paid time off based on employee grade (A-F), defined by policy: Vacation: 12-25 days, depending on grade, Company paid holidays, Personal Days, Sick Leave

• Medical, dental, and vision coverage (or provincial healthcare coordination in Canada)
• Retirement savings plans (e.g., 401(k) in the U.S., RRSP in Canada)
• Life and disability insurance
• Employee assistance programs
• Other benefits as provided by local policy and eligibility