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Credit Risk Specialist
3 months ago
IO's Finance, Technology, and Lending Enterprise Team ensures that IO is a financially efficient and effectively managed organization and that the agency's finances are monitored, reported, and managed appropriately.
The team also manages the infrastructure lending program, which has supported more than $18 billion in local infrastructure development, and IO's Information Technology and Business Services, providing tools and systems to ensure secure, effective, and efficient operations.
Level P4POSITION PURPOSE
To contribute to the maintenance of a low credit risk profile throughout the loan portfolio, achieved principally through adherence to the functions and responsibilities as recited below.
What You Will Be Doing:
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KEY FUNCTIONS & RESPONSIBILITIES
- Work with colleagues in loan underwriting, loan operations and legal department throughout the due diligence process
- Ensure records of all review and approval activity including Credit Review Committee minutes are consistent guidelines
- Ensure that authorization details are reported to legal department and duly incorporated in the Financing Agreement
Perform credit portfolio monitoring and reporting including recording of covenant compliance and document management.
- Measure and record borrower compliance to financial loan covenants for outstanding loans on an ongoing basis
- Address borrower noncompliance via quarterly portfolio reporting and consideration of escalation of loans
- Contribute to the preparation of monitoring reports of the loan portfolio
- Responsible for document management to support credit reviews and reporting of credit risks
- Contribute to building and maintenance of the credit management database
Direct file management of Watch List or higher risk loans, as assigned.
- Manage Watch List borrower relationships
- Liaise with borrower management and assisting professionals to facilitate completion of analysis of borrower risk factors and options to restore risk profile to acceptable level
- Negotiate corrective plans with Watch List borrowers as required, monitor progress, and address variances
- Contribute to quarterly Watch List reporting for loans under direct management
Contribute to the expansion and refinement of credit policy and guidelines, and general department procedures.- Complete periodic review and updating of sector credit policy and guidelines, including risk rating protocol
- Identify and/or support opportunities for increased efficiency in department workflow
- Complete documentation of department workflow and procedures
What We Are Looking For:
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Education and knowledge:
- University degree in Finance, Business, Accounting, Economics or equivalent is an asset
- A good understanding of key financial and risk management theories, principals, and practices
Experience
- Few years' of commercial lending transaction experience in a clientfacing role, ideally including commercial real estate and/or infrastructure project financing
- Demonstrated business acumen with experience working with clients and stakeholders
- Knowledge and experience with commercial lending practices of municipalities, the energy sector, assisted living, long term care or social housing sectors is an asset
Skills and personal attributes
- Strong acuity for business models and business risk assessment, and an ability to conduct financial statement and ratio analysis.
- Ability to set individual objectives, work independently and collaborate with others in order to accomplish goals.
- Excellent analytical and research skills to organize and draw conclusions from complex, ambiguous and often fragmented information.
- Able to present complex concepts in a clear, cogent and intelligible manner, both by way of written reports and verbal presentations.
- Able to manage engagements with underwriting colleagues and external parties in a cordial, tactical and productive manner.
- Proficient in the Microsoft Office suite of products.
What's In It For You:
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Diverse, equitable and inclusive culture that promotes a sense of belonging and represents and reflects the needs of the communities we serve.
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A flexible, hybrid work approach that allows colleagues to find balance between their professional and personal lives and making the most of the benefits of working remotely and purpose-driven in-person collaboration opportunities.
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A defined contribution pension plan, where IO contributes the equivalent of 5% of a full-time employee's annual salary, with an option for IO to match an additional 2.5% contribution made by the employee. IO also offers a Group Retirement Savings Plan and Group Tax Free Savings Account, designed to help IO colleagues plan and save for their future.
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A comprehensive package that covers health, dental, vision, out-of-country care, paramedical services, and more.
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A pregnancy and parental leave program that offers expecting, eligible emplo
