Senior Manager, National Accounts - Commercial Credit
On-site · Toronto, Ontario, Canada
Job Summary
Senior Manager, National Accounts - Commercial Credit oversees credit adjudication and risk for the bank's loan portfolio, ensuring policy compliance, risk monitoring, and effective collaboration with banking lines to optimize capital and mitigate losses. Responsibilities include adjudicating/authorizing credit requests within limits, recommending structure improvements for marginal proposals, evaluating financial and non-financial risks, maintaining timely credit submissions, monitoring client creditworthiness, ensuring accurate terms and security, and supporting data/reporting through credit systems. The role emphasizes risk-focused oversight, client-centric collaboration, portfolio monitoring (Early Warning Signs and sector trends), and adherence to regulatory and internal standards. Requirements include substantial experience in financial analysis and credit adjudication, post-secondary education in business or related area, strong knowledge of lending policies, risk assessment techniques, collateral/security documentation, and exceptional communication and organizational skills. Location is Toronto, Ontario, Canada. The position offers an inclusive environment with growth opportunities and competitive rewards.
Required Qualifications
- Minimum of 5 years of experience in financial analysis or credit adjudication
- Minimum Post-Secondary Education completed in business or related area
- Extensive experience in complex financial analysis
- Good understanding of Bank lending policies and procedures, financial analysis and accounting
- Risk assessment techniques and credit structuring
- Collateral and security documentation and registration
- Strong negotiation and problem resolution skills
- Excellent communication skills, written and verbal
- Strong organizational and coaching skills
- English – advanced
- Knowledge of security documentation and remedies
- Understanding of various industries and local economic trends in the assigned area
- Ability to make decisions and clearly explain rationale
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