Senior Manager, Credit Risk Policy, Risk Management

2 days ago

Toronto ON, Canada EQ Bank | Equitable Bank Full time

Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank™, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.Ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021.
The Senior Manager, Credit Risk Management reports to the Director, Credit Risk Management and supports Senior Management with respect to all aspects of credit risk management in the Bank. The candidate will be responsible for assisting in the development and operationalization of credit risk strategies and will oversee all loan portfolios with the objective of maintaining high quality lending and risk mitigation strategies.
Key aspects of the role are Credit Risk policies and governance, strategic initiatives, and managing key internal relationships enterprise-wide to champion risk and credit culture at the Bank.
Credit Risk Governance
Provide independent and effective challenge to credit policy and credit procedure changes, amendments, and work collaboratively on new developments as proposed by the Business Lines
Monitor the loan portfolios for relevant trends, insights and provide ad-hoc credit risk reports to members of senior management and to support quarterly board reporting
Liaise and maintain strong relationships with the credit functions across the business lines to ensure that credit policies and procedures are adhered to in the organization
Monitor exception frameworks in the business lines and escalate relevant trends and insights
Ensure proposed products are in alignment with the bank’s credit risk appetite as articulated in credit policies and procedures and that satisfactory risk mitigation strategies have been discussed and documented
Review and recommend Credit Risk support of new initiatives to the Director, Credit Risk Management.
Have a minimum of 5-8years of retail lending experience including adjudication, oversight, and/or policy experience and portfolio management/analytics experience
Post-secondary education (diploma/degree), preferably in business or finance.
Highly developed verbal and written communication skills with the ability to communicate to Senior Management, the Board of Directors in a clear, concise and professional manner
Strong organizational and time management skills.
What we offer [For full-time permanent roles]
#Medical, dental, vision, life, and disability benefits
#Generous vacation policy and personal days
#Virtual events to connect with your fellow colleagues
#A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience
Equitable Bank is deeply committed to inclusion. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire.

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