Director, High Risk Portfolio Management

Jobtailor; Vancouver; On-site; CAD 140,000 - 190,000; Full time

Job summary

Jobtailor in Vancouver, Canada seeks an experienced Senior Credit Risk professional to conduct advanced financial analysis and risk assessments, advising on structures and risk controls for high-risk accounts. You will support portfolios, monitor signals, and provide leadership with actionable insights for capital allocation and risk appetite.

The role requires 7+ years in credit, lending, restructuring, or portfolio management, with strong analytical and advisory skills to influence

Qualifications

• Bachelor’s degree in Business Administration, Finance, Accounting, or related field.
• Master’s degree preferred for advanced risk and credit leadership roles.

Responsibilities

• Conduct advanced financial analysis and risk assessments of clients showing weakness or deterioration.
• Provide actionable insights and risk-mitigation strategies to commercial banking lines of business.
• Advise on structures, terms, and risk controls for high-risk accounts.
• Advise on complex or distressed credit situations, including covenant breaches and liquidity concerns.
• Support strategies for watch-list, impaired, and emerging-risk accounts, including exit strategies and restructuring options.
• Perform enhanced portfolio monitoring to detect early-warning signals and covenant non-compliance.
• Evaluate portfolio-level indicators and risk concentrations, escalating concerns and recommending actions.
• Assess risk management practices across the high-risk portfolio and identify improvements.
• Serve as a specialist resource to senior leaders on complex credit scenarios.
• Review high-risk transactions and advise on risk-aligned alternatives.
• Engage internal stakeholders to ensure consistency in managing high-risk exposures.
• Strengthen discipline around watch-list and impaired account management procedures.
• Adjust risk oversight strategies in response to market or client-specific conditions.
• Contribute to enterprise initiatives that enhance risk governance and monitoring capabilities.
• Partner with Commercial Banking stakeholders while maintaining BAU underwriting and client relationships.
• Support leadership with insights and recommendations for capital allocation and risk appetite.

Skills

Credit Analysis

Risk Assessment

Portfolio Management

Financial Analysis

Stakeholder Engagement

Analytical Skills

Communication Skills

Problem-Solving Skills

Influencing Skills

Judgment Under Pressure

Education

Bachelor’s degree

Master’s degree preferred

Job description

• Conduct advanced financial analysis and risk assessments of clients demonstrating signs of weakness or deterioration
• Provide actionable insights and recommended risk-mitigation strategies to commercial banking lines of business
• Advise on appropriate structures, terms, and risk controls for high-risk accounts
• Advise on complex or distressed credit situations, including covenant breaches, liquidity concerns, operational challenges, and industry-driven pressures
• Support strategies for managing watch-list, impaired, and emerging-risk accounts, including exit strategies, recovery pathways, and restructuring options
• Perform enhanced portfolio monitoring to detect early-warning signals, covenant non-compliance, and deteriorating credit trends
• Evaluate portfolio-level performance indicators and risk concentrations, escalating concerns and recommending corrective actions
• Assess risk management practices across the high-risk portfolio, identifying gaps and recommending improvements
• Serve as a specialist resource to senior leaders and frontline teams on complex or ambiguous credit scenarios
• Review high-risk transactions, challenge underlying assumptions, and advise on risk-aligned alternatives
• Engage internal stakeholders to ensure consistency in managing high-risk exposures across the enterprise
• Strengthen discipline and transparency around watch-list and impaired account management procedures
• Adjust risk oversight strategies in response to shifting market, economic, or client-specific conditions
• Contribute to enterprise initiatives that enhance risk governance, improve monitoring capabilities, and support proactive portfolio management
• Partner with Commercial Banking stakeholders while maintaining line-of-business ownership of BAU underwriting and client relationships
• Support senior leadership with insights, analysis, and recommendations for capital allocation and risk appetite decisions
• Engage with industry peers and internal networks on emerging risks, competitive trends, and evolving best practices

Requirements

• 7+ years of experience in credit, lending, restructuring, portfolio management, or financial analysis within a corporate or banking environment
• Strong credit qualifications, including deep knowledge of commercial credit structures, deteriorating-credit dynamics, and high-risk portfolio management practices
• Bachelor’s degree required; master’s degree preferred (Business Administration, Finance, Accounting, or related field)
• Demonstrated ability to assess complex financial situations, identify risks, and recommend solutions aligned with risk appetite and enterprise policies
• Proven capability to operate in an advisory role, influence stakeholders, and provide expertise in non-routine, ambiguous, or sensitive credit situations
• Strong analytical, communication, and problem-solving skills with the ability to apply sound judgment under pressure

Core Competencies

Demonstrates expertise in advanced financial analysis, risk assessment, and high-risk portfolio management, with a strong ability to provide actionable insights and risk-mitigation strategies. Capable of advising on complex credit situations and engaging stakeholders to enhance risk governance and monitoring capabilities.

Highest-signal resume keywords

• Credit Analysis
• Risk Assessment
• Portfolio Management
• Financial Analysis
• Stakeholder Engagement

Hard Skills

• Financial Analysis
• Risk Assessment
• Credit Structures
• Portfolio Management
• Covenant Breach Analysis
• Liquidity Assessment
• Operational Challenge Evaluation
• Risk Mitigation Strategies
• Performance Indicator Evaluation
• Credit Trend Monitoring

Soft Skills

• Analytical Skills
• Communication Skills
• Problem-Solving Skills
• Influencing Skills
• Judgment Under Pressure

Industry Keywords

• Commercial Banking
• High-Risk Accounts
• Deteriorating Credit Dynamics
• Restructuring Options
• Watch-List Management
• Impaired Account Management
• Risk Governance
• Capital Allocation
• Enterprise Policies
• Emerging Risks