Senior Credit Risk Manager

5 days ago

Montreal, Quebec, Canada AY Talent Full time

At AY Talent, we are seeking a seasoned professional to fill the role of Associate Director of Credit Risk. This position is a key part of our team, responsible for supporting the credit risk and underwriting functions.

Key Responsibilities
  • Supervise a team of 4-6 analyst underwriters, providing performance feedback, mentoring, and skill development.
  • Contribute to the organization's strategic direction by developing and implementing Risk Management strategies, policies, and procedures.
  • Review commitment letters, credit presentations, and funding checklists for accuracy and compliance.
  • Participate in credit committee discussions to ensure effective risk identification and mitigation.
  • Ensure policies and procedures align with CMHC requirements and updates, including changes to the Lender's Handbook.
  • Provide feedback to Origination and Analyst teams on evolving credit requirements and common themes.
  • Conduct due diligence on complex loan applications, analyzing borrower profiles, financial data, and asset value.
  • Interact with clients and perform site visits to support thorough underwriting and funding processes.
  • Ability to manage a high volume of deal flow with a low error rate.
  • Stay informed about market trends and commercial mortgage developments.
  • Network within the industry through meetings, events, and involvement in real estate organizations.

Requirements:

  • University Degree in Business Administration or related field preferred.
  • 4+ years of experience in mortgages, specifically in commercial underwriting.
  • Advanced proficiency in Microsoft Office (Word, PowerPoint, Excel).
  • Excellent verbal and written communication abilities in both English and French.
  • Understanding policies ensures operations and procedures are aligned with internal investors and CMHC processes and policies.

Benefits:

  • Medical Benefits
  • Dental Coverage
  • Long-Term Disability
  • Health and Wellness Spending Account

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