Avp, Personal Lending

5 months ago

Edmonton, 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

Roles Specifications

Location: Edmonton, Corporate Office

Put a new _spin _on your banking career

Our core focus is to become the best full-service bank for business owners in Canada. How do we do this? By delivering a proactive client experience through highly personalized service, specialized expertise, and customized solutions. And we do all this with an unrivalled sense of urgency that our clients love about us.

The opportunity

We are looking for a seasoned leader and Personal Lender to play a key role providing leadership, direction, and coaching to the team of CWB _Specialists, Personal Lending_, who provide credit structuring, credit underwriting, and Banking Centre support for Personal borrowing clients.

This player-coach role will actively support structuring, alignment, and recommendation of Personal borrowing solutions to the CWB _Private Banking team_ and their clients. This includes extensive knowledge of Personal lending policies, and the ability to analyze, challenge and recommend structuring CWB’s policies within our competitive market position while adhering to Regulator’s risk appetite and guidance.

Areas of focus

Performance leadership & influence.
- Leader, player, and coach._- Drive a high performance, open and contemporary organizational culture that is based on a foundation of CWBFG’s values of People First, Relationships Get Results, Embrace the New, the How Matters and Inclusion has Power.- Adopt CWBs’ play-to-win leadership with a People First approach. Actively participate in all Talent Management practices inclusive of recruitment, onboarding, weekly one-on-ones, ongoing performance reviews, performance management, coaching, talent development, career design and succession planning to build and retain a high performing team.- Provide sales coaching to team members to help uncover client needs and recommend tailored lending solutions

Lending Advisement- Build strong relationships with with all business leaders (Market leads and Personal Banking leaders) and their respective team members to ensure individual and Banking Centre objectives are met with timely and client-focused Personal Lending solutions.- Actively engage and respond to Private Banking partners to help drive success through effective and timely credit underwriting for highly complex new borrowing opportunities, with the view to be every client’s primary financial partner- Assist the team in optimizing overall profitability of relationships with new and existing clients based on return guidelines, customer risk profile, total banking relationship, and competitive environment.- Management of intake process, workflow queue, and workflow distribution for new Personal lending requests

Risk Management- Responsible to provide guidance to business leaders (Market Leads /Personal Banking Leaders) and other Banking Centre members on the identification and management of risk, provide guidance on early direction / action to proactively find credit solutions.- Completes necessary due diligence while working with Personal Lending Specialists and partners to establish terms of credit, and produce prudent credit facilities that reflect strong knowledge of CWB policies and procedures- Actively engage, challenge and respond to Credit Risk Management partners for structuring, alignment, and recommendation of highly complex Personal borrowing solutions while balancing risk and reward in line with CWB’s risk appetite.- Ensure awareness of changes within the Canadian banking landscape specific to Personal Lending as outlined in the Residential Mortgage Underwriting Policy (RMUP)- Identify potential risk that can lead to difficulty in repayment or potential default on the loan- Proper AML/KYC practices and loan portfolio management with focus on loan quality, exposure limits and security requirements.

Core know-how & experience requirements

Professional Knowledge- Bachelor’s degree in business or related discipline- Working knowledge of OSFI’s Residential Mortgage Underwriting Policy (RMUP)- Working understanding of mortgage insurance requirements (CMHC, Genworth)- Expert knowledge of collateral security and personal lending documentation requirements, including credit policies and knowledge of other FI’s policies, products and processes would be beneficial.

Professional Experience- 10 plus years experience in Personal credit analysis and presentation, supported by well-developed skills in business financial statement analysis and knowledge of effective risk mitigation strategies for Personal credit underwriting- 5 plus years leadership experience, including direct experience leading high performing sales roles and

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