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 (board sheet structuring) 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 Manager
- 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 RVP before they are forwarded to the Credit Risk Management to ensure they meet the Bank's requirements for overall client profitability
- 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 & Private Banking 1859 sector, you are part of a team of professionals supporting commercial clients. In addition, you are surrounded by an entire ecosystem of experts to help you offer the best possible solutions to customers.
Within the Commercial Banking sector, the Manager, Financing Solutions reports to the Senior Director, Commercial Credit and will based out of the Fraser Valley Region (ideally Surrey, but can also be based out of the Langley or Abbotsford locations).
Our learning-by-doing training programs enable you to master your job. Access to colleagues with different expertise, experience and profiles will enrich your development in every way.
Basic requirements: - A bachelor's degree in a related field and 6 years of relevant experience, OR a master's degree in a related field and 4 years of relevant experience, OR an undergraduate diploma from the National Bank University Program and 8 years of relevant experience
- Negotiation experience
- Experience in commercial credit
- Experience analyzing financial statements
- Excellent interpersonal and communication skills with an ability to effectively collaborate with partners and form well-reasoned recommendations
Languages: English
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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.
