Director, Commercial Credit Risk

3 weeks ago

Toronto ON, Canada CIBC Full time

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

What you’ll be doing

The Real Estate Credit Risk Management team of professionals offer expertise in the adjudication and oversight of real estate credit risk transactions originated by the Real Estate Financing Division across all regions of Canada. As a Director, Real Estate Credit Risk, you will be responsible for adjudicating real estate credit applications within your delegated lending authority, managing a portfolio of real estate credits and partnering with frontline relationship managers through regular dialogue, consultation, and periodic visits. Through exercising good credit judgment, you will ensure that effective credit policies and strategies are in place and are adhered to so as to sustain the quality of the real estate credit portfolio under management as well as to support effective portfolio growth and diversification.

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 2-3 days per week on-site, while other days will be remote. Details on your work arrangement (proportion of on-site and remote work) will be discussed at the time of your interview.

How you’ll succeed

  • Adjudicate Credit Applications - You will adjudicate real estate credit applications within your designated portfolio and lending authority.
  • Portfolio Management - You will proactively manage a credit portfolio of real estate credits through sound financial and non-financial analysis as well as an understanding of emerging trends within the regional economic, industry and business environments.
  • Relationship Building - You will develop strong relationships with internal partners, external intermediaries and industry associations and provide mentoring, advice, and guidance on credit risk matters to internal partners and more junior team members in order to assist in developing satisfactory credit solutions within acceptable risk parameters.
Who you are
  • You can demonstrate experience. 5+ years of experience in Real Estate Banking Lending policies, procedures and practices including loan structuring, risk identification and mitigation, asset valuations and recovery strategies. Your critical thinking skills help to inform your decision making. You have the ability to perform analytical work accurately, often under time pressure.
  • It’s an asset. You can demonstrate client facing experience in a real estate banking environment.
  • You have a degree. Undergraduate or graduate degree in business and/or related field. CFA and/or CPA degree considered an asset.
  • You give meaning to data. You enjoy investigating complex problems and making sense of information. You're confident in your ability to communicate detailed information in an impactful way.
  • You put our clients first. You engage with purpose to find the right solutions. You go the extra mile because it's the right thing to do.
  • You're passionate about people. You find meaning in relationships and surround yourself with a diverse network of partners. You build trust through respect and authenticity.
  • You love to learn. You're passionate about growing your knowledge. You have a strong sense of curiosity.
  • 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

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 Proposals, Credit Risk Management, Financial Analysis, Group Problem Solving, Long Term Planning, People Management, Portfolio Management #J-18808-Ljbffr

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