Credit Portfolio Manager

Bank of China (Canada); Markham; On-site; CAD 80,000 - 120,000; Full time

Job summary

A leading bank in Canada seeks a skilled Credit Portfolio Manager responsible for overseeing the management of credit risk portfolios. The role involves monitoring portfolio quality, managing non-performing loans, and ensuring compliance with regulatory standards. Candidates should possess strong analytical skills, relevant experience in credit risk, and a bachelor's degree in a related field.

Qualifications

• 5+ years of experience in credit risk or credit portfolio management.
• 2-3 years working with provisions, RWA, or ECL frameworks.
• Experience with regulatory reporting like OSFI interactions.

Responsibilities

• Manage the end-to-end credit risk portfolio, including monitoring and analysis.
• Prepare comprehensive credit portfolio reports and manage credit provisions.
• Act as a main point of contact for regulatory inquiries.

Skills

Analytical skills

Credit risk knowledge

Problem-solving capabilities

Verbal communication

Written communication

Education

Bachelor's degree in Finance, Risk Management, Economics

Tools

Credit risk monitoring tools

Job description

We are seeking a highly skilled Credit Portfolio Manager to oversee the end-to-end management of the Bank’s credit risk portfolio. This role is responsible for monitoring portfolio quality, managing non-performing loans (NPLs), overseeing credit provisions, performing stress testing, and ensuring regulatory compliance. The ideal candidate will have strong credit risk knowledge, analytical skills, and the ability to support internal and external reporting needs while collaborating across departments.

What You Will Do :

• Conduct regular monitoring and analysis of the credit asset portfolio , including generating reports and identifying significant risk events.
• Utilize credit risk monitoring tools to assess portfolio risks and manage watch-list clients.
• Develop and track asset quality budgets and maintain dashboards that provide management with insight into portfolio health.
• Prepare comprehensive credit portfolio reports , including industry and client concentration analysis.
• Act as the main point of contact for regulatory inquiries (e.g., OSFI) and ensure timely, accurate reporting to internal and external stakeholders.
• Collaborate with internal / external auditors and respond to findings related to credit risk.
• Manage credit provisions, ensuring alignment with internal risk ratings and expected credit losses (ECL) .
• Oversee NPL management , including recovery tracking and reporting on write-offs.
• Ensure accuracy of credit data through regular validations and reconciliations.
• Work with cross-functional teams to support integrated credit risk solutions.
• Support credit-related tasks assigned by the Team Head and CRO , including requests from Head Office, OSFI, Ethidex, and BCP.

What You Bring to the Table :

• 5+ years of experience in credit risk, credit portfolio management, or corporate / commercial lending is essential.
• Ideally, 2–3 years working directly with provisions, RWA, or ECL frameworks .
• Experience with regulatory reporting (e.g., OSFI interactions or audit response) is a major asset.
• Exposure to credit policy, risk dashboards, or portfolio analytics is highly beneficial.
• Strong skills in data validation, reporting , and use of credit risk dashboards or systems.
• Excellent analytical and problem-solving capabilities.
• Effective verbal and written communication skills.
• Bachelor's degree in Finance, Risk Management, Economics, or related field ; FRM / CFA considered an asset.
• Ability to work independently and collaborate with various stakeholders.

Bank of China (Canada) is committed to fostering an inclusive workplace where diversity is valued. We encourage qualified candidates from all backgrounds to apply. Please note that only candidates selected for further consideration will be contacted.

Accommodation : Bank of China (Canada) is committed to providing accommodations throughout the recruitment process. If you require any accommodations, please contact the HR team , and we will be happy to assist.