Commercial Credit Advisor, Commercial Credit Adjudication
About The Position
You will support Relationship Managers (RM) in credit renewal and adjudication of files <$2 MM Total Single Name Exposure, including increases at renewal, reviewing and establishing Borrower Risk Rating ensuring credit structures mitigate credit risks. You will adjudicate transaction requests and approve policy exceptions within Delegated Lending Authorities using sound judgment and a balanced approach to portfolio quality. You will deliver on superior client service by structuring transactions with a client centric approach and creating strong partnerships with CAM, Group Risk Management and Business Service Centre in order to optimize the internal process, reducing responsive time and increasing effectiveness.
Requirements
- Previous Commercial Banking experience or Small Business credit adjudication experience
- Knowledge of commercial financial services credit tools, including Newton & Synergie
- Strong Business Acumen
- Solid company financial statement analysis skills
- Professional oral and written communication skills
- Degree in a Finance, Commerce, Management or an accounting related field
Nice To Haves
- CFA, MBA
- Experience as a Commercial Account/Relationship Manager
Responsibilities
- Develop and utilize specialized knowledge and experience of specific industry/segments to support the credit needs of RM and their clients
- Assist RMs with completing monthly credit renewals, balance client needs and high risk situations effectively, while ensuring account managers are informed of any changes in the review schedule
- Exercise due diligence in preparing credit renewals adjudication re: know your client, know the transaction, credit structure, risk analysis and client strategy
- Identify risk issues and take proactive action, keep up-to-date on economic trends and stay abreast of Credit Administration & Compliance Trends, recommending action to correct unsatisfactory situations
- Develop strong working relationships with the RMs to optimize overall processing time
- Assist RMs in maximizing opportunity spotting with all clients to enhance retention, referrals, and sales activities and contribute to superior client care
- Liberate capacity for supported RMs by effectively/proactively managing the credit renewal process in order to provide them with more client facing time
- Demonstrate commitment to team work and collaboration through coaching
Benefits
- A unique opportunity for personal and professional growth
- Work in a dynamic, collaborative, progressive, and high-performing team
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
