Credit Reviewer

**Job Title**:Credit Reviewer

**Job Location: Markham, ON**

**Duties and Responsibilities**:

- Perform thorough credit risk assessments on credit proposals by reviewing the credit analysis conducted by account managers and completing an independent due diligence report on the financial and operating information related to borrowers and industries ;
- Perform risk rating assessment using established risk rating methodology and professional judgement;
- Review and test covenants, margin and financial ratio requirements and promptly report out of order or non-compliant situations of assigned accounts;
- Oversee and monitor the overall credit quality of assigned portfolio by conducting in-depth credit analysis / reviews on a timely basis and proposing effective remedy actions when early warning signal arises;
- Maintain the Bank’s credit system and risk rating system as per credit review results;
- Provide guidance to account managers with regard to credit policies and products;
- Conduct the Bank’s periodic update / enhancement on Credit policies and procedures;
- Other duties as assigned from time to time.

**Job Specification**
- 3 years or above local commercial credit experiencing in the field of credit lending;
- Relevant post-secondary education with Diploma/Degree in Business Administration, Accounting ,Finance or Economics;
- Effective verbal and written communication skills;
- Strong interpersonal and negotiation skills;
- Excellent organizational and time management skills with the ability to prioritize and work accurately within deadlines;
- Adaptability and flexibility to deal with a rapidly changing environment;
- Accuracy and attention to detail.

**Benefits**:

- Company events
- Dental care
- Disability insurance
- Extended health care
- Life insurance
- Paid time off
- Profit sharing
- Tuition reimbursement
- Vision care
- Work from home

Schedule:

- 8 hour shift
- Day shift
- Holidays
- Monday to Friday
- Overtime
- Weekend availability

**Experience**:

- Credit Lending: 1 year (preferred)

**Language**:

- Mandarin (preferred)

Work Location: Hybrid remote in Thornhill, ON