Associate, Balance Sheet Optimization, Corporate & Investment Banking

CIBC•New York, NY

3d•$150,000 - $185,000•Onsite

About The Position

The Associate, Balance Sheet Optimization supports growth across CIBC’s Corporate & Investment Banking businesses by providing analytical, reporting and execution support. The role helps transaction teams manage balance sheet, funding, risk and capital constraints while maintaining the Bank’s risk appetite. Working in a lean and evolving team, the Associate gathers and reconciles data, prepares recurring management materials, evaluates transaction and portfolio economics, coordinates execution workstreams, and helps develop scalable tools and processes. The Associate supports transaction, client and sector analysis; maintains views of pipeline, portfolio roll-off, concentrations and available capacity; and coordinates new-deal and portfolio reviews. The role also maintains data, reporting processes and controls, prepares presentations and dashboards, supports technological advancement and workflow improvements, and provides day-to-day analytical and execution support to senior team members. Over time, the Associate develops expertise across capital, returns, funding and risk topics and assumes ownership of defined analyses, reporting processes and execution workstreams.

Requirements

Typically 3–6 years of relevant experience in corporate banking, investment banking, credit risk, loan distribution, structuring, portfolio management, capital management or a related analytical role.
Strong foundation in corporate credit, financial modeling, transaction analysis and financial statement analysis, with an ability to learn portfolio risk, capital, balance sheet and funding concepts.
Advanced spreadsheet and presentation skills, including the ability to organize large data sets, build clear analytical outputs and produce senior-management-ready materials.
Ability to assess transaction and solution economics, identify key assumptions and sensitivities, and communicate implications for returns and resource utilization.
Excellent attention to detail and a disciplined approach to data gathering, reconciliation, quality control, documentation and recurring reporting.
Strong written and verbal communication skills, including the ability to synthesize complex information into clear conclusions, recommendations and decision materials.
Collaborative, proactive and organized approach; ability to manage multiple priorities, follow through on commitments and work effectively in a lean, evolving team.
Commercial judgment, curiosity, willingness to work hands-on and potential to take on increasing responsibility.
Interest in technological advancement, AI-enabled workflows, data visualization and management dashboard development.
Legal eligibility to work at the specified location(s), and a valid work or study permit where applicable.

Nice To Haves

CFA, MBA or another relevant professional qualification.
Familiarity with loan distribution, participations, nonpayment insurance, credit-risk transfer, hedging or related optimization solutions.

Responsibilities

Prepare financial, portfolio and scenario analyses to evaluate transaction, client and sector constraints and potential balance sheet optimization solutions, including economics, capital impact, funding considerations, return implications and execution costs.
Maintain detailed views of the transaction pipeline, portfolio roll-off, concentrations, available capacity, and progress against balance sheet, capital and funding objectives.
Coordinate new-deal and portfolio reviews, prepare materials, track follow-up, and analyze client and transaction returns, resource utilization and potential remediation opportunities.
Coordinate data requests, approvals, documentation and action items across front-office and control partners; maintain execution trackers and help advance optimization initiatives.
Gather, reconcile and quality-check data from multiple sources and maintain spreadsheets, data sets, process documentation and controls for accurate, timely reporting.
Prepare management presentations and dashboards covering pipeline and portfolio constraints, optimization opportunities, transaction status, realized benefits and key decisions.
Support technological advancement and continuous improvement of tools, reporting and workflows, including practical use of AI and automation.
Provide day-to-day analytical and execution support to senior team members.
Prepare briefing materials, meeting notes, decision logs and follow-up items for discussions with business leaders, transaction teams and control partners.
Respond to ad hoc analytical requests, coordinate stakeholder inputs and deliver accurate work within agreed timelines.
Develop expertise across capital, returns, funding and risk topics and progressively take ownership of defined analyses, reporting processes and execution workstreams.