Senior Credit Solutions Manager, Commercial Banking
2 weeks ago
Role Summary
The Senior Credit Solutions Manager, Commercial Banking will contribute to the overall success of Canadian Business Banking by ensuring specific individual goals, plans, and initiatives are executed and delivered in support of the team's business strategies and objectives. This role requires a specialist in credit who provides financial solutions for clients through various tasks such as risk analysis, deal structuring, credit pricing, negotiation, and presentation.
Key Responsibilities
- Ensure the timely analysis, structuring, and presentation of credit proposals;
- Provide prompt and sound recommendations in the analysis and presentation of credit proposals;
- Ensure effective communication with the Senior Client Relationship Manager to clearly convey the rationale for decisions, so that they may respond effectively to clients;
- Recommending pricing for loans and credit-related fees yielding a return commensurate with risk and due regard to profit, administration, and competitive considerations;
- Recommending terms, conditions, and covenants to provide a viable banking proposal to the client within sound credit lending practices;
- Restructuring marginal proposals into bankable deals where possible;
- Providing guidance and counsel to the Senior Client Relationship Manager, so that they may better serve clients' needs.
Accountabilities
- Champions a customer-focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge;
- Contributes to the profitable development of Canadian Business Banking by ensuring the accurate communication and effective and timely implementation of the terms and conditions of an authorization.
Requirements
- University degree in business or economics or other Business Specialty background;
- Commitment to participate in other training requirements as determined by the Bank from time to time;
- Previous work experience of at least 2-5 years is preferred;
- In-depth knowledge of the Bank's lending policies, practices, and procedures, as well as an awareness of business trends, economic, technological, social, legal, and political conditions and factors which could affect the viability of a credit;
- A solid knowledge and understanding of financial statements and accounting principles and policies is a must;
- Excellent risk assessment and credit skills and ability to structure deals;
- Strong understanding of loan documentation;
- Strong knowledge of Canada's financial services marketplace and of the assigned market area's key industries, major customers, and competitive positioning within the assigned market areas;
- Solid understanding of the Canadian Business Banking objectives, strategies, and structures. To complement this, the incumbent must possess tactical planning skills and implementation/management skills;
- Good sales management, coaching, relationship building, and leadership skills are essential, along with the ability to influence and motivate others;
- Must set a positive example of change and encourage others to do the same;
- Strong interpersonal skills are essential for business development/customer relationship building and to facilitate a positive and effective team environment;
- Must be able to effectively articulate their views to all levels both within the Bank and externally in the marketplace;
- Strong personal computer skills and familiarity with word processing, spreadsheet software, and planning tools are necessary as the incumbent uses a PC for a variety of communication, sales management, and general information activities including preparing documents, monitoring results, and responding to enquiries;
- Strong knowledge of commercial Banking products and services, including systems, routines, and operating procedures;
- Thorough knowledge of Bank's business lending and deposit products and services, and customer profitability model;
- Thorough knowledge of competitor offerings and alternative sources of financing;
- Good knowledge of products and services provided by the Bank's specialized sales forces and other delivery channels such as Global Banking & Markets, Global Transaction Banking, Global Wealth Management, Retail & Small Business Banking, etc.
- Thorough knowledge of all commercial management platforms;
- Working knowledge of services provided by support areas such as Shared Services Business Support.
Working Conditions
- Work in a standard office-based environment; non-standard hours are a common occurrence. No travel.
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