About this role
Manager Credit Risk, Business Banking
The Role
The Small Business Manager, Credit Risk is responsible for exercising sound credit judgement, and providing quality underwriting decisions. The incumbent is to adhere to Bank policy and established exception authorities, while balancing production objectives.
ACE’s role is to review credit applications requiring an exception for Retail Branches, Private Banking, Indirect Mortgage, and Indirect Auto channels, and underwriting for the Small Business (Branch, Health Care & Professional Banking, and Agriculture) channel.
The incumbent contributes to the overall success of the Adjudication Centre of Expertise / Global Operations in Canada ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives. Ensures all activities conducted follow governing regulations, internal policies and procedures.
Is this role right for you? In this role you will:
- Effectively analyze credit submissions, financial disclosures and pertinent documentation, within risk tolerances
- Applying advanced credit judgement, usage of the applicable 5 C’s of credit, and ensuring consistent application of policies and processes are analyzed and documented.
- Adjudicating within established limits and exception authority and presenting quality recommendations on requests above established limits.
- Ability to calculate financial ratios, identify appropriate credit conditions and security while understanding business and economic trends
- Analyze credit reviews and apply corrective action where appropriate
- Ensuring all partner interactions are professional, respectful, and value added.
- Providing recommendations/alternative solutions, and restructuring credit requests, with coaching/direction to partners as required.
- Acting with a sense of urgency in response to partner requests to meet customer expectations.
- Delivering against established ACE Service Level Agreement targets – moved this from b