Senior Credit Solutions Manager, Commercial Banking
1 week ago
We are seeking a highly skilled Credit Solutions Specialist to join our Canadian Business Banking team. As a key member of our team, you will be responsible for providing financial solutions to clients through risk analysis, deal structuring, credit pricing, negotiation, and presentation.
Key Responsibilities- Contribute to the overall success of Canadian Business Banking by executing individual goals, plans, and initiatives in support of the team's business strategies and objectives.
- Provide financial solutions for clients through various tasks such as risk analysis, deal structuring, credit pricing, negotiation, and presentation.
- Manage a customer portfolio of moderate to higher complexity, ensuring compliance with various credit metrics and monitoring the portfolio to identify any negative trends.
- Work closely with the Senior Client Relationship Manager, Credit Analysts, and Service Specialists to ensure effective communication and collaboration.
- Champion a customer-focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.
- Contribute to the profitable development of Canadian Business Banking by ensuring timely analysis, structuring, and presentation of credit proposals, providing prompt and sound recommendations, and ensuring effective communication with the Senior Client Relationship Manager.
- Recommending pricing for loans and credit-related fees yielding a return commensurate with risk and due regard to profit, administration, and competitive considerations.
- Restructuring marginal proposals into bankable deals where possible, providing guidance and counsel to the Senior Client Relationship Manager to better serve clients' needs.
- Ensuring the accurate communication and effective and timely implementation of the terms and conditions of an authorization by reviewing all authorizations, ensuring prompt follow-up for acceptance, and reacting swiftly to any problems.
- Liaising with the Senior Client Relationship Manager to ensure any required changes and follow-up for the accurate execution and delivery of loan documentation and security.
- Ensuring the ongoing quality of the assigned credit portfolio through control and administration of specific conditions and reporting requirements, as specified in individual authorizations.
- Directing and assisting Credit Analysts and Service Specialists in the detailed evaluation of all information received, reporting deficiencies or any negative findings to senior management.
- Adhering to regulatory and internal Bank policies and requirements, advising senior management of any credit weakness developing within individual accounts.
- Providing coaching, counseling, and oversight to Credit Analysts, developing their credit competencies, and providing timely performance feedback on credit analysis presented.
- 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.
- Solid knowledge and understanding of financial statements and accounting principles and policies.
- 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.
- Good sales management, coaching, relationship building, and leadership skills are essential, along with the ability to influence and motivate others.
- 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.
- 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.
- Thorough knowledge of all commercial management platforms.
- Working knowledge of services provided by support areas such as Shared Services Business Support.
- Work in a standard office-based environment; non-standard hours are a common occurrence. No travel.
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