In this role, you will play a pivotal part in delivering financing expertise to a diverse portfolio of commercial clients while partnering closely with relationship managers to drive business growth. You will be responsible for underwriting and structuring complex credit solutions, managing risk, and supporting strategic client conversations across a broad range of industries within the Upper Mid-Market Commercial Banking segment. This is a unique opportunity to join a fast-growing team, make a tangible impact on the success of businesses across Western Canada, and accelerate your career within one of the country's leading financial institutions.
Your job
- Perform high-quality credit analyses in accordance with the standards established by the Credit Centre, and make recommendations.
- Structure credit applications by mitigating risks and developing financing scenarios that meet client needs and match the Bank's risk criteria.
- Participate in determining client financing needs in collaboration with the Commercial Account Managers and the Director of Financing Solutions.
- Negotiate credit terms and conditions with the Credit Risk Management as needed and confirm the availability of financing for the Commercial Account Manager.
- Obtain comments from the Account Managers on the preliminary versions of credit applications, adjust them as needed, then present them to the Director, Financing Solutions before they are forwarded to the Credit Risk Management to ensure they meet the Bank's requirements for overall client risk profile.
- Produce documents and update client files in collaboration with account representatives and the Credit Risk Management to ensure credit applications are processed efficiently.
- Act as a resource person for your team in handling credit matters and assist, as needed, in addressing team members' skills development in this area.
- Identify the risks inherent to sector activities.
Your team
Within the Commercial Banking sector, the Manager, Financing Solutions reports to the Director, Financing Solutions and will be a part of the Nanaimo office. Our team stands out for its exceptional service and unwavering support to both business owners and our colleagues, ensuring a collaborative and thriving work environment. We ultimately aim to offer you flexibility and quality of life. This notably means a hybrid work environment, as well as adaptable working hours.
Prerequisites
- Hold a bachelor's degree in commerce, finance, business or accounting fields and 2+ years of experience
- Knowledge of functions of risk management, banking, business lending
- Experience in commercial credit
- Negotiation experience
- Experience analyzing financial statements
- Good interpersonal and communication skills with an ability to efficiently collaborate with all partners and form well-reasoned recommendations.
Languages: English
SkillsPress space or enter keys to toggle section visibility
Communication Diversity & Inclusion Driving Results Emotional Intelligence Teamwork Accountability Client-focused Empathy Initiative Learning Agility Resiliency Humility
Your benefits In addition to competitive compensation, upon hiring you'll be eligible for a wide range of flexible benefits to help promote your wellbeing and that of your family such as:
* Health and wellness program, including many options
* Flexible group insurance
* Generous pension plan
* Employee Share Ownership Plan
* Employee and family assistance program
* Preferential banking services
* Involvement in community initiatives
* Telemedicine service
* Virtual sleep clinic
We have an offer that keeps up with trends as well as your needs and those of your family.
Our dynamic work environments and cutting-edge collaboration tools foster a positive employee experience. We value employees' ideas. Whether through our surveys or programs, regular feedback and ongoing communication are encouraged.
