This position reports to the Associate Vice-President

Main challenges

• Perform high-quality credit analyses in accordance with the standards established by the Credit Centre, and make recommendations
• Structure credit applications (board sheet structuring) by mitigating risks and developing financing scenarios that meet client needs and match the Bank's risk criteria
• Participate in determining client financing needs in collaboration with the Commercial Banking Manager
• Negotiate credit terms and conditions with the Credit Centre as needed and confirm the availability of financing for the Commercial Banking Manager
• Obtain comments from Commercial Banking Managers on the preliminary versions of credit applications, adjust them as needed, then present them to the Associate Vice President before they are forwarded before they are forwarded to the Credit Centre to ensure they meet the Bank's requirements for overall client profitability
• Produce documents and update client files in collaboration with account representatives and the Credit Centre to ensure credit applications are processed efficiently
• Act as a resource person for your team in handling credit matters and assist the Senior Manager, as needed, in addressing team members' skills development in this area.
• You must be able to identify the risks inherent to Personal and Commercial Banking sector activities

Competencies Required

• A bachelor’s degree in a related field and 6 years of relevant experience, OR a master’s degree in a related field and 4 years of relevant experience
• Negotiation experience
• Experience in commercial credit
• Experience analyzing financial statements

Your benefits

Upon hiring, you will be eligible for a wide range of benefits. In addition to competitive compensation, we offer attractive benefits for you and your family:

• Health and wellness program, including many benefits
• Flexible group insurance
• Defined benefit pension plan
• Employee Share Ownership Plan
• Employee and family assistance program
• Preferred banking services
• Volunteer program
• Telemedicine
• Virtual sleep clinic

These are just a few of the many benefits we offer. We've rolled out a number of additional measures to ensure your health, safety and wellbeing during the pandemic