Consultant, Real Estate Secured Lending Policy

CIBC•Toronto, ON

8d•Hybrid

About The Position

The Retail Account Acquisition team is responsible for developing new account risk strategies to balance growth of the business within acceptable levels of credit risk. By analyzing application information, Bank data for existing clients, credit bureaus, and account performance data, the team implements changes to the application processing systems and makes credit adjudication decisions when the system cannot incorporate all the relevant factors. As the Consultant, Real Estate Secured Lending, you will provide essential support to the Senior Manager and Senior Director, Real Estate Secured Lending. Your focus will be on monitoring the RESL portfolio, assisting with policy management and documentation, and helping drive policy and regulatory initiatives to ensure compliance and operational excellence. At CIBC we enable the work environment most optimal for you to thrive in your role. You’ll have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 1-3 days per week on-site, while other days will be remote.

Requirements

Real estate lending expertise.
Experience and working knowledge of real estate lending policies and practices, both internally and across the industry.
Expertise in the Bank Act, OSFI B-20, insurer, and other regulatory requirements related to Real Estate Secured Lending, and can apply this knowledge effectively.
Proactive: Take initiative, anticipate needs, and are eager to contribute to policy and process improvements.
Passionate about learning: Continuously grow your knowledge and believe there is no limit to what you can achieve.
Values matter to you: Bring integrity, respect, and a commitment to putting clients first in everything you do.
Analytical Thinking
Business Requirements
Communication
Data Integration
Data Quality
Deliverables Management
Prioritization
Quality Improvement
Risk Analytics

Responsibilities

Monitor the RESL portfolio, identify trends, and provide actionable insights to support policy and regulatory decisions.
Ensure accuracy and clarity in the preparation and maintenance of policy and regulatory documentation, reports, and presentations.
Work closely with the Senior Manager and Senior Director to gather information, communicate updates, and support the implementation of policy and regulatory changes.
Manage multiple priorities in a dynamic environment, adapting to changing requirements and timelines while maintaining high standards of quality.
Clearly and concisely communicate complex information to stakeholders at various levels, supporting effective decision-making and compliance.

Benefits

Competitive salary
Incentive pay
Banking benefits
Benefits program
Defined benefit pension plan
Employee share purchase plan
Vacation offering
Wellbeing support
MomentMakers, our social, points-based recognition program
Purpose Day; a paid day off dedicated for you to use to invest in your growth and development