Avp & Manager, Commercial Portfolio Management

6 months ago


Mississauga, Canada CWB Financial Group Full time

At

CWB

, we strive to build value for the people who choose us every day: our people, our clients and our investors. We do this by:
- Putting people first and building relationships with intention- Seeking out and embracing new ideas- Believing that how we do things is as important as what we do

AVP & Manager, Commercial Portfolio Management

The opportunity

Strategic & Operational Leadership of Commercial Teams’ Portfolio Management

This leadership role provides strategic and operational direction for the entire specialist team, with direct oversight of specialists focusing on larger business opportunities (>2MM), and indirect leadership of the specialist team focusing on a deal size up to $2MM.- Supports a specified geographic market, which may include more than one physical location.- Adjudicates loans within discretionary limits and is responsible for ensuring the credit portfolio remains within CWB’s credit risk appetite and minimizes overall operational risk to the organization.

Successful Incumbent

This crucial role requires a fully experienced, qualified credit professional, capable of independent activity, ability to influence branch and support departments leaders, and leadership of a team. They will implement credit policies, conduct credit reviews, and ensure that the approval procedures, standards of credit control and portfolio maintenance conform to regulations & controls.

Areas of focus

Performance leadership & influence.
- Leader, educator, player, role model, and coach._

Embrace our values. Lead with intention & conviction. Establish & sustain a psychologically safe & positive work environment that supports a fun, engaged, and strong diverse workforce. Champion change. Be thoughtful & intentional. Recognize, reward & engage your team. Lead collaboration & a united CWB approach. Coach fearlessly. Intentionally feed forward. Strengthen our learning culture with a growth mindset. Invest in people first talent management through acquisition, development, engagement & retention initiatives. Grow from failures. Empower. Ignite a winning aspiration. Deliver results. Play with heart. Roll up your sleeves & get to work.

Deal flow. Business growth. Credit risk management. Client experience.
- Effectively manage deal administration in achieving financial targets_- Accept overall accountability for specialist teams within assigned locations & associated portfolio management.- Provide leadership of the credit writing team to support achievement of assigned financial objectives through effective and credit underwriting for new & existing clients, while balancing risk and reward in line with CWB’s risk appetite & emphasizing operational improvement & consistent workflows- Acts as a conduit to & resource for centralized Credit Rick Management, regional leadership & partners across CWB- Elevate cross team collaboration effectiveness & engagement, providing effective leadership & coaching to assigned teams on target focus areas of credit adjudication, underwriting & administration of loan portfolios.- Support the team in identifying full-service solutions for clients & actively referring other CWB lines of business - with the view to be every client’s primary financial partner.- Participate in developing recommendations for driving deeper business relationships with existing clientele.- With the team, optimize overall profitability of relationships based on return guidelines, customer risk profile, total banking relationship, and the business environment.
- Managing credit activities within enterprise risk appetite_- Support the appropriate balance between growth and profitability in consideration of CWB goals and risk appetite.- Maintain an appropriate level of neutrality between sales and credit functions, with need for proven facilitation and resolutions skills-
- Manage credit activities to ensure prudent lending with proactive risk management, inclusive of timely monitoring, due diligence, and recommendation. Ensure required reports and financial data are received and analyzed promptly in accordance with loan commitments & assist with management of negative trending accounts. Certify all products and services are sold in adherence to regulations, minimizing operational risk- Lead team execution, deployment, and adherence to all policies and procedures, in consultation with leaders to maintain satisfactory internal audit reports and to meet all compliance objectives- Drive efficient and effective operations with strong data integrity

Core know-how & experience requirements

A Bachelor’s Degree in business or related field (or equivalent experience) with proven abilities (approx. 12 years' experience) within functions of risk management, banking, business lending, including direct experience leading people and managing teams. Financial designation or graduate level studies are preferred but not required. Experience in credit adjudication supported by well-developed skills in financi



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