Senior Manager, Real Estate Credit Risk

4 weeks ago

Toronto ON, Canada Canadian Imperial Bank of Commerce Full time

Senior Manager, Real Estate Credit Risk page is loaded Senior Manager, Real Estate Credit Risk Apply locations Toronto, ON Vancouver-400 Burrard St, 7th time type Full time posted on Posted Yesterday job requisition id 2406039

We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients.

At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

To learn more about CIBC, please visit CIBC.com

What you’ll be doing

As a Senior Manager, Real Estate Credit Risk , you will be responsible for managing a portfolio of real estate credits made up of commercial mortgages, interim construction, and large corporate real estate financings located across Canada. You will adjudicate credit applications within delegated lending authority and ensure that line lending officers exercise sound credit practices through periodic consultation and visits. You will also be required to liaise closely with CIBC business officers and other risk managers in managing credit risk transactions. This is also a great opportunity for a Relationship Manager to develop their career.

At CIBC we enable the work environment most optimal for you to thrive in your role. You’ll have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 1-3 days per week on-site, while other days will be remote.

How you’ll succeed

  • Assess credit applications - Review the actual and proforma cash flow of real estate assets and financial history of sponsors to assess exposure to the Bank from a risk/return perspective. You’ll also approve or decline credit applications within your designated portfolio and work with the Senior Director, Vice President and more where applications exceed your delegated limits.

  • Monitor risk - Provide ongoing assessment of the portfolio, including the timely review of risk ratings, as well as the monitoring of action plans for high risk/watch list accounts and accounts that could potentially be added to the high risk/watch list accounts list.

  • Establish action plans and prepare recommendations - Describe corrective measures to be implemented to address credit related issues, as well as develop corrective measures to address credit related issues and monitor the effectiveness of such measures. You’ll partner with Risk Management colleagues and front-line relationship management teams on credit risk management matters and assist the relationship managers and market leaders to recommend the best approach to fulfil their credit risk mandate.

Who you are

  • You can demonstrate experience. In front line real estate account relationship management, credit risk management, and/or adjudication experience within the banking/financial sector. Knowledge of lending products, policies and guidelines; local and national market knowledge and legislative and regulatory requirements. Proficiency in analyzing financial statements is an asset.

  • You have a degree. In Business, Management, and/or related field. MBA, CA, CFA or similar are viewed as an asset.

  • You're passionate about people. You find meaning in relationships and surround yourself with a diverse network of partners. You connect with others through respect and authenticity.

  • Your influence makes a difference. You know that relationships and networks are essential to success. You inspire outcomes by sharing your expertise.

  • You give meaning to data. You enjoy investigating complex problems and making sense of information. You communicate detailed information in a meaningful way.

  • You know that details matter. You notice things that others don't. Your critical thinking skills help to inform your decision making.

  • Values matter to you. You bring your real self to work and you live our values – trust, teamwork and accountability.

What CIBC Offers

At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.

  • We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.

  • Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.

  • We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.

*Subject to plan and program terms and conditions

What you need to know

  • CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact Mailbox.careers-carrieres@cibc.com

  • You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit .

Job Location

Toronto-81 Bay, 30th Floor

Employment Type

Regular

Weekly Hours

37.5

Skills

Analytical Thinking, Business Credit, Business Development, Credit Processes, Credit Proposals, Credit Risk Management, Ensure Compliance, Financial Analysis, Group Problem Solving, Portfolio Management

At CIBC, we are in business to help our clients, employees and shareholders achieve what is important to them. Our ability to create value for all CIBC stakeholders is driven by a business culture based on common values: Trust, Teamwork and Accountability.

Working with CIBC makes you a part of a work environment committed to our clients, employees and communities - a place where you can excel.

Every day, our 44,000 employees help our clients achieve their financial goals, because what matters to our clients, matters to us. #J-18808-Ljbffr

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