Director, Innovation Banking, Commercial Credit Risk Management

At CIBC, we’re building a relationship‑oriented bank for the modern world. We need talented, passionate professionals dedicated to doing what’s right for our clients. What You’ll Be Doing CIBC Innovation Banking provides strategic advice and financing to venture capital, growth equity & private equity backed software and information technology companies located within North America and Europe at each stage of their business life cycle from startup to IPO and beyond. These companies are focused on revenue growth, experience EBITDA/cash flow negative operations and may not forecast profitability during the life of the credit facility. Reporting to the Senior Director, Innovation Banking Risk Management, you will be managing a portfolio focused on Innovation Banking clients. You will be responsible for evaluating and adjudicating credit applications within your delegated lending authority, managing CIBC Innovation Banking’s loan portfolio to ensure it is efficiently maintained at an acceptable level of risk and loan losses are minimized, and partnering with the Innovation Banking Relationship Managers through regular dialogue and consultation. Through exercising good credit judgment, you will ensure all terms and conditions of authorizations are accurate and the Bank’s position is fully protected by way of adequate requirements and appropriate credit conditions. Global Credit Risk Management (GCRM) is responsible for the independent adjudication and oversight of credit risk across CIBC’s Corporate, Commercial, Wealth Management, Real Estate, and Agriculture portfolios. GCRM works with partners to understand, measure, and monitor risk and adhere to CIBC’s quality and concentration policies to maintain a risk profile consistent with the Risk Appetite Statement. It also oversees Special Loans and Investment Asset Portfolios, collaborating with regional risk officers to ensure consistency in global risk practice. How You’ll Succeed Sound Credit Management – Ensure credit decisions and recommendations are in accordance with sound credit‑granting principles. Protect the bank’s assets and maintain portfolio quality by ensuring adherence to the Bank’s commercial lending processes, policies & procedures, legal and ethical requirements and regulations, audit requirements, and established risk guidelines. Building Partnership and Communicate Effectively – Work closely with business and relationship managers to review all credit submissions, internal portfolio trends and external environment for changing prospects and trends to ensure that emerging risks in the portfolio are identified. Active Portfolio Management – Manage a portfolio of loan accounts and ensure comprehensive credit reviews are prepared and submitted by the business in accordance with bank policies and prescribed guidelines. Be Proactive – Maintain up‑to‑date knowledge and understanding of products, processes, sponsor relationships, and relevant legal, regulatory and technology requirements to ensure decisions are adequately documented, and clearly communicated. Who You Are You have 5‑7+ years of experience in lending, commercial and/or corporate banking, and credit risk management. You have experience structuring deals and identifying key risks and mitigants through effective due diligence. You have strong knowledge of the marketplace through working in technology lending, venture capital, and/or leveraged finance. Experience with mergers and acquisition process, capital markets products including derivative transactions is an asset. Good working knowledge of external financial and regulatory environment from a risk perspective, domestic regulatory and legal systems, and familiarity with challenging credit situations, workouts or recovery experience is an advantage. You have a degree or diploma in Finance, Business, Accounting, Technology or a related field. An advanced business degree or professional designation (MBA, CFA, CA, CGA, CMA) would be an asset. You enjoy investigating complex problems and making sense of information, and communicate detailed information effectively. You are proficient in MS Excel and have prior experience analyzing data sets and working on financial models. You notice details that others don’t, and your critical thinking skills inform your decision making. You are motivated by collective success, value teamwork and inclusivity, and believe that collaboration transforms ideas into great solutions. You are curious to learn, passionate about growing knowledge, and maintain a strong sense of curiosity. You bring your real self to work and live CIBC’s values – trust, teamwork, and accountability. What CIBC Offers Competitive salary, incentive pay, banking benefits, a benefits program, a defined benefit pension plan, an employee share purchase plan, vacation, wellbeing support, and MomentMakers – our social, points‑based recognition program. Technological toolkit and collaborative spaces that enable innovative solutions. A culture that encourages ambition through initiatives such as Purpose Day – a paid day to invest in 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 provide an accessible candidate experience. If you need accommodation, please contact You must be legally eligible to work at the specified location and, where applicable, have a valid work or study permit. We may ask you to complete attribute‑based assessments and other skills tests (e.g., simulation, coding, French proficiency, MS Office). Job Location Toronto – 81 Bay, 30th Floor Work Arrangement You’ll have the flexibility to manage your work activities within a hybrid arrangement: 3 days per week on‑site in Toronto (Tuesday‑Thursday) and remote days as needed. Seniority Level Mid‑Senior level Employment Type Full‑time Weekly Hours 37.5 Skills Analytical Thinking, Business Credit, Credit Proposals, Credit Risk Management, Credit Risks, Financial Analysis, Group Problem Solving, Portfolio Management #J-18808-Ljbffr