Credit Writer, Commercial Banking

We're building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what's right for our clients.

At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

To learn more about CIBC, please visit

What You'll Be Doing

As a Credit Writer, you will join the CIBC Commercial Banking team which provides integrated financial solutions to address virtually every business requirement at every stage of a company's development and operation, from enhancing cash flow, to financing growth, expanding internationally, addressing specialized business needs, and ultimately developing a business transition plan. In this role, you will be reporting to a Director and Team Leader and will be responsible for assisting the Atlantic Market write and maintain credits to support our commercial book where required.

At CIBC we enable the work environment most optimal for you to thrive in your role. Details on your work arrangement (proportion of on-site and remote work) will be discussed at the time of your interview.

How You'll Succeed

• Credit Management – Assist Commercial Banking Relationship Managers and Team Leaders in the completion of credit applications in both Independent business and Mid Market.
• Portfolio Management – As required, manage a portfolio of loan accounts while ensuring reporting requirements are met, financial covenant tests are completed, and comprehensive credit reviews are prepared and submitted to the risk group.
• Customer Relations – You may be required from time to time to deal directly with clients as part of the CIBC deal team to help gather information or work with clients to execute on credit and non-credit related products.

Who You Are

• You can demonstrate experience in reading, interpreting and analyzing financial statements as well as underwriting credits. You have strong knowledge of the main credit principles for commercial lending and risk rating methodology. It's an asset if you can demonstrate knowledge of Commercial Banking underwriting principals as well as the full spectrum of products and services available to companies.
• You have a degree/diploma in Business, Economics or relevant work experience may also be considered.
• You're digitally savvy. You seek out innovative solutions and embrace evolving technologies. You have strong proficiency in MS Office suite including Word, Excel and PowerPoint.
• You know that details matter. You notice things that others don't. Your critical thinking skills help to inform your decision making and you are able to find solutions through strategic thinking.
• Values matter to you: You bring your real self to work and you live our values – trust, teamwork and accountability.

What CIBC Offers

At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.

• We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.
• Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.

• We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.

• Subject to plan and program terms and conditions

What you need to know

• CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact

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- CIBC is committed to clarity in our hiring process. All roles posted are opportunities we're actively recruiting for, unless stated otherwise.
- You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.
- We may ask you to complete an attribute-based assessment and other skills test (such as simulation, coding, French proficiency).
- We use artificial intelligence tools during the recruitment process. Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.

Job Location

Halifax-1809 Barrington St. 15

Employment Type

Regular

Weekly Hours

37.5

Skills

Analytical Thinking, Business Credit, Business Development, Credit Processes, Credit Risk Management, Ensure Compliance, Financial Analysis, Group Problem Solving, Portfolio Management