Senior Manager Commercial Credit Risk

National Bank of Canada; Montreal; Hybrid; CAD 120,000 - 160,000; Full time

Benefits offered by this job

Health and wellness program

Flexible leave

Pension plan

Employee Share Ownership Plan

Telemedicine service

Job summary

National Bank of Canada is seeking a Senior Manager Commercial Credit Risk to lead and coach the approval of complex commercial financing applications. You will maximize loan portfolio quality in line with strategic directions and implement monitoring strategies to ensure profitability and growth.

You will analyze, authorize and mentor, while actively participating in committees and driving continuous improvement across credit origination through disbursement in a hybrid work environment.

Qualifications

• Completed bachelor's or master's degree in administration, accounting or a related field.
• Seven to ten years of relevant experience in complex commercial financing.
• Experience in portfolio tracking and strong negotiation skills.
• Excellent knowledge of commercial financial products and services.
• Proven track record as a team leader implementing credit initiatives or large projects.

Responsibilities

• Independently analyze, authorize or recommend complex commercial financing applications per policies and risk appetite.
• Anticipate and identify transaction risks and mitigate them.
• Collaborate in a team to meet short turnaround times and optimize lender relationships.
• Coach account managers and participate in committees and special mandates.
• Oversee loan portfolios from origination to disbursement and drive process improvements.

Skills

Analytical Skills

Analytical thinking

Commercial Lending

Credit Risk Analysis

Decision Making

Influencing

Initiative

Learning Agility

Negotiation

Oral Communication

Written communication

Teamwork

Resiliency

Education

Bachelor's/Master's in admin or accounting

Job description

A career as a Senior Manager Commercial Credit Risk at National Bank means acting as a leader and coach in the approval of commercial financing applications. You'll maximize the quality of a commercial loan portfolio in line with the Bank's strategic orientations. In addition, you'll implement strategies to monitor the quality of the loan portfolio in order to ensure integrity and to maximize profitability and business development.

Your role

• Independently analyze, authorize or recommend complex commercial financing applications based on credit policies and procedures as well as National Bank’s risk appetite.
• Anticipate and identify transaction risks and how to mitigate them.
• Work in a team to meet the business line's short turnaround times.
• Optimize relationships with the various stakeholders and act as a coach for account managers.
• Independently take part in various committees and special mandates.
• Adequately follow up on loan portfolios to improve quality.
• Encourage the continuous rethinking of work methods to optimize processes and systems and present innovative solutions.
• Be involved from the beginning of the credit origination process until disbursement.
• Positively impact peers and colleagues by being a proactive driver of change.

Your team

As part of the Risk Management sector, you will be part of a team of commercial credit specialists within the Credit Risk team, covering primarily the Quebec and Atlantic regions. You will report to the Senior Manager Credit Risk. The team’s mission is to ensure quality decisions and rapid execution of its commercial loan portfolios. We want to contribute to your quality of life by offering you as much flexibility as possible in your work. For example, we offer hybrid work (remote and in the office), work schedule arrangements to help you achieve work/life balance and flexible leave that you can take when it’s important to you.

The Bank values continuous development and internal mobility. Our personalized training programs, based on learning through action, allow you to master your profession and develop new areas of expertise. Tools such as the Data Academy, language training, the Harvard Learning Center, and coaching and mentoring support are available to you at all times. You’ll also have access to colleagues with a wide range of expertise, experience and backgrounds to enrich all aspects of your development.

Prerequisites

• Completed bachelor's or master's degree in administration, accounting or a related field, and seven to ten years of relevant experience
• Experience in complex commercial financing
• Experience in portfolio tracking
• Strong negotiation skills
• Excellent knowledge of commercial financial products and services
• Be a team leader recognized for helping implement credit initiatives and/or special large-scale projects
• Ability to make complex decisions in very short times

Languages: French, English Reason to require this language: you will need to work closely with our colleagues outside Quebec. Required skills: Analytical Skills, Analytical thinking, Commercial Lending, Credit Application Review, Credit Risk, Credit Risk Analysis, Decision Making, Influencing, Initiative, Learning Agility, Negotiation, Oral Communication, Resiliency, Teamwork, Written communication

Your benefits

• Health and wellness program, including many options
• Flexible group insurance
• Generous pension plan
• Employee Share Ownership Plan
• Employee and family assistance program
• Preferential banking services
• Involvement in community initiatives
• Telemedicine service
• Virtual sleep clinic

We have an offer that keeps up with trends as well as your needs and those of your family. Our dynamic work environments and cutting-edge collaboration tools foster a positive employee experience. We value employees’ ideas. Whether through our surveys or programs, regular feedback and ongoing communication are encouraged.

Making a bold move in a people-first environment

We’re a bank on a human scale that stands out for its courage, entrepreneurial culture, and passion for people. Our mission is to have a positive impact on people’s lives. Our core values of partnership, agility, and empowerment inspire us, and inclusion is central to our commitments. We aim, wherever possible, to provide a barrier-free and accessible environment to all employees. We strive to provide accessibility measures throughout the recruitment process within the limits of our available resources. If you require accommodations, feel free to let us know during our initial conversations. We welcome all candidates! What can you bring to our team?
Join us!