Bilingual Senior Manager, Credit Risk
1 week ago
Founded in 1996, we have helped more than 18,700 young entrepreneurs, promoting entrepreneurship among Canadian youth as a critical pillar for diversifying the economy, generating employment opportunities, and fostering a sustainable future.
Futurpreneur is a founding member of the G20 Young Entrepreneurs’ Alliance, the Canadian member of Youth Business International and the Canadian host of Global Entrepreneurship Week (GEW).Our Purpose (why we exist): To drive inclusive Canadian prosperity by fostering the success of young entrepreneursOur Mission (what we do every day to achieve our purpose):To empower diverse entrepreneurs ages 18-39 by providing loans with mentorship and resources to help them start and buy businesses that contribute to sustainable and inclusive economic prosperity, in their communities and across Canada.
Here’s the opportunity: Bilingual Senior Manager, Credit RiskAs the Senior Manager, Credit Risk, you will play a pivotal role in supporting the quality and effectiveness of our loan adjudication process, with a lens on client success and supporting an optimal client experience. You will be responsible for leading and coaching a team of credit professionals, acting as a subject matter expert regarding the eligibility and viability of loan applications, in an environment of complicated, often principle-based criteria.
This is a hands-on role: supporting loan adjudication and process while also leading the team, and requiring strong knowledge in credit, business structures, financial statement analysis, contracts, and the financial and business regulatory environment. Reporting to the VP Client Service & Risk, you will also support new initiatives, data analytics, key stakeholder reporting, and our co-lend with the Business Development Bank of Canada (BDC).This is a permanent, full-time position located in Toronto, Ontario. The incumbent will be working on our hybrid work model (minimum 2 days in the office per week). Key stakeholder support and projects (30%) Work on reporting and analytics, providing insights from data regarding trends– support Risk related analyses and other stakeholder reporting as required, recurring and ad-hoc.Support the BDC relationship, including colend renewal and facilitating updates or enhancements to eligibility, providing data and insights to support same.Responsible for eligibility overview training (onboarding) for new team members as required to drive consistency in our process and client experience.Update our internal reference and training materials – such as the eligibility FAQ.Guide, support and participate in process improvement initiatives within NCA and Compliance working closely with other stakeholders, including VP Client Service & Risk and Client Services Regional Team leads.Support the implementation of new initiatives, working closely with other stakeholders acting as a subject matter expert from the Risk lens, and with a fact-based approach.Act as a subject matter expert, supporting new and existing programs from a risk perspective.Support the risk compliance process, as a subject matter expert working closely with the Manager, National Credit Compliance.Provide a level of expertise broadly to the organization, helping to guide on general matters including and not limited to, eligibility, business legal structures, and loan agreements.Provide ongoing guidance to CRM/BDM teams – working closely with Regional Team Leads (RTL’s) as required and with other internal stakeholders through feedback and coaching to drive higher quality applications.Ensure that all credit policies and co-lend special procedures are adhered to.Escalate to the VP Client Service & Risk with the BDC contact as required – any business or applicant eligibility concerns.Help drive more consistent and meaningful loan approval conditions to improve conversion timeline from approved to disbursed.Leadership, Coaching and Team Management (40%) Supervise, coach, and motivate the NCA team in the delivery of exceptional business results achieving or exceeding SLAs and results in line with the Client Service & Risk annual business plans.Collaborate with the Talent and Culture team and the VP Client Service & Risk for the development of role profiles, recruitment and onboarding of new team members annual team business plans, performance management, staff engagement, recruitment, learning and development and identification of skills or process gaps, or inconsistencies.Conduct quarterly performance management reviews with team members develop existing team members to advance their areas of expertise to ensure a high-performance team.Assist with client escalations working with the Client Services Team Leads and VP, Client Service & Risk as required.Encourage employee participation in engagement surveys, create team action plan and support employee retention.Adjudication – the thorough analysis and decisioning of client applications, which includes: Assessing the viability of the application as a whole, based on business plan review and cash flow projection details.Assessing the eligibility of the applicant, and of the business activity.Assessing the eligibility of credit (ensuring that applications comply with the Credit Decision Matrix, which includes the Business Risk Predictor ‘BRP”).Analyzing credit bureau reports.Assessing cash flow statements for reasonableness and accuracy in relationship to the business plan assumptions.For tailored initiatives, ensuring that they comply with the specific program requirements, program offering and alternative credit matrix and lending thresholds.Ensuring that applications also comply with the applicable BDC eligibility criteria (according to program) regarding the borrower and the business.Decisioning client applications – documenting all loan approval conditions- and supporting National Credit Compliance in the review and approval of same.Continuously scanning the business and regulatory environment as part of the application viability review– goal is to ensure customer businesses have met the barriers to entry and will have a reasonable chance of success.Ensuring compliance with the BDC ID verification and Existence of Entity requirements.Recommending changes or enhancements to Adjudication process where greater consistency and/or efficiency may be gained while maintaining quality.Communicating clearly to the CRM all credit decisions, to ensure the message accurately conveys “what” the decision is and “why” the decision was made.Relevant experience may include education with a focus in Finance, Business Administration or a closely related field or equivalent hands-on career experience.Eight (8) years or more experience in a financial services or similar role with a focus on credit analysis, reporting and analytics, and credit granting.Bilingualism in French & English (spoken & written) required as you will be required to work on a daily basis with non-bilingual team members and/or clients across Canada and at Head office in Toronto.Good working knowledge of the Canadian business and regulatory landscape.Demonstrated experience with data analysis and reporting.Intermediate to strong Microsoft Office skills, including Excel managing multiple spreadsheets and pivot tables.Strong financial statement analysis skills i.e. demonstrated ability in reading and interpreting Financial Statements.Some experience in reading and interpreting business plans.Demonstrated experience working a client relationship management system.Fondé en 1996, nous avons aidé plus de 18 700 jeunes entrepreneur.e.s, en promouvant l'entrepreneuriat parmi les jeunes Canadien.p>Futurpreneur est un membre fondateur de l’Alliance des jeunes entrepreneur.e.s du G20, le représentant canadien du réseau Youth Business International et l’hôte canadien de la Semaine mondiale de l’entrepreneuriat. Notre but (notre raison d’être) : favoriser la prospérité de toutes les Canadiennes et de tous les Canadiens en encourageant la réussite des jeunes entreprises. Nos valeurs (notre manière de travailler, nos principes fondamentaux et nos engagements) : nous sommes motivés par notre mission et travaillons dans un esprit de collégialité et de collaboration, de diversité et d’inclusion, de responsabilité et de transparence. En quoi consiste cette offre d’emploi : Gestionnaire senior bilingue, Risque de créditEn tant que Gestionnaire senior bilingue, Risque de crédit, vous jouerez un rôle essentiel dans le soutien de la qualité et de l'efficacité de notre processus d'évaluation des prêts, avec une attention particulière à la réussite des client.le.s du crédit, en tant qu'expert.p>Il s'agit d'un rôle pratique : vous soutiendrez l'évaluation des prêts et le processus tout en dirigeant l'équipe, avec une solide expertise en crédit, en structures d'entreprise, en analyse d'états financiers, en contrats, ainsi qu'en environnement réglementaire financier et commercial. Relevant du Vice-Président, Service à la Clientèle & Risque, vous participerez également à de nouvelles initiatives, à l'analyse de données, à la production de rapports pour les parties prenantes clés, ainsi qu'à notre co-prêt avec la Banque de Développement du Canada (BDC).
Il s'agit d'un poste permanent à temps plein basé à Toronto, en Ontario. Le/la titulaire travaillera selon notre modèle hybride (minimum 2 jours par semaine au bureau). Soutien aux parties prenantes clés et projets (30 %) Travailler sur les rapports et les analyses, en fournissant des informations à partir des données concernant les tendances – soutenir les analyses liées au risque et d'autres rapports destinés aux parties prenantes, qu'ils soient récurrents ou ponctuels.Soutenir la relation avec la BDC, y compris le renouvellement du co-prêt et faciliter les mises à jour ou améliorations de l'admissibilité, en fournissant des données et des analyses pour appuyer ces initiatives.Responsable de la formation sur l'aperçu de l'admissibilité (intégration) pour les nouveaux membres de l'équipe, selon les besoins, afin de garantir la cohérence dans notre processus et l'expérience client.li>Mettre à jour nos documents de référence et de formation internes, tels que la FAQ sur l'admissibilité.Guider, soutenir et participer aux initiatives d'amélioration des processus au sein de l’équipe NCA et Conformité, en travaillant en étroite collaboration avec d'autres parties prenantes, y compris le Vice-Président, Service à la Clientèle & Risque, et les responsables des équipes régionales de service à la clientèle.Soutenir le processus de conformité des risques, en tant qu'expert.e en la matière, en collaborant étroitement avec la Gestionnaire, Conformité nationale des crédits.Fournir des conseils continus aux équipes CRM/BDM, en travaillant étroitement avec les responsables des équipes régionales (RTL) selon les besoins et avec d'autres parties prenantes internes via des retours et du coaching pour améliorer la qualité des demandes.Veiller à ce que toutes les politiques de crédit et les procédures spéciales de co-prêt soient respectées.Leadership, Coaching et Gestion d'Équipe (40 %) Collaborer avec l'équipe Talents et Culture ainsi qu'avec le Vice-Président, Service à la Clientèle & Risque pour le développement des profils de poste, le recrutement et l'intégration des nouveaux membres de l'équipe, les plans d'affaires annuels de l'équipe, la gestion de la performance, l'engagement du personnel, le recrutement, l'apprentissage et le développement, ainsi que l'identification des lacunes de compétences ou des incohérences dans les processus.Mener des revues trimestrielles de gestion de la performance avec les membres de l'équipe, développer les compétences des membres actuels pour renforcer leur expertise et assurer une équipe à haute performance.Aider à la gestion des escalades client.p>Adjudication – Analyse approfondie et décision concernant les demandes des client.li>Évaluer la viabilité de la demande dans son ensemble, en se basant sur l'examen du plan d'affaires et les détails des projections de flux de trésorerie.Évaluer l'admissibilité au crédit (assurer que les demandes sont conformes à la matrice de décision de crédit, incluant le "Business Risk Predictor" ou BRP).Analyser les rapports des bureaux de crédit.Évaluer la pertinence et l'exactitude des états de flux de trésorerie par rapport aux hypothèses du plan d'affaires.Pour les initiatives spécifiques, s'assurer qu'elles respectent les exigences du programme, les offres du programme, ainsi que la matrice de crédit et les seuils de prêt alternatifs.-
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