Credit Risk Manager

1 week ago


Mississauga, Ontario, Canada Citizens Business Bank Full time
Job Summary

The Credit Officer III plays a critical role in the financial analysis process, providing accurate and concise credit requests to the bank. This position requires prior experience and expertise in credit analysis, with a strong understanding of financial statements, tax returns, and cash flow analysis for businesses and individuals.

Key Responsibilities
  • Comply with and stay abreast of all policies and procedures, federal and state laws applicable to the job.
  • Provide exceptional customer service to external and internal customers, promoting The Citizens Experience.
  • Review credit requests for completeness and accuracy.
  • Spread financial statements and/or tax returns to evaluate creditworthiness.
  • Formulate questions and prepare accurate, clear, and concise credit requests (RCEs).
  • Refer complex credit requests to other bank departments as needed.
  • Discuss credit requests with branch personnel and Credit Management Division.
  • Assist and train junior credit officers to improve credit analysis skills.
Requirements
  • Bachelor's degree from a four-year college or university, with a minimum of ten years related experience and/or training.
  • Master's degree or equivalent preferred.
  • Strong analytical and problem-solving skills, with the ability to read, analyze, and interpret financial data.
  • Excellent communication and presentation skills, with the ability to effectively present information to groups of managers, clients, and customers.
Working Conditions

The Credit Officer III will work in a fast-paced environment, with moderate noise levels. The position requires regular sitting, talking, and use of hands to handle financial documents and equipment.



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