Credit Manager, Credit Structuring in Toronto

We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute. To learn more about CIBC, please visit CIBC.com.

What You’ll Be Doing

CIBC Private Wealth Management delivers customized banking, financial planning, investment management and specialized advisory solutions to meet the unique needs of Canada’s high net worth individuals, families, private holding companies, trusts, estates and charitable foundations.

The Credit Manager is accountable for the ongoing management and administration of the complex credit book within Private Banking working under the direction/guidance of the Director, Credit. The Credit Manager role manages the credit quality of the high net worth client base found within Private Banking whose credit needs and financial structures are typically more complex. The role is actively engaged supporting Private Banking Advisors grow their credit opportunities while also ensuring appropriate oversight of their existing credit book.

How You’ll Succeed

• Client Focus: Provide guidance and offer support on new credit requests with Private Banking Advisors. This will include analyzing and understanding client financial information (holding companies / individuals) and assessing its relative strength against the credit request.
• Credit Management: The Credit Manager role is involved with preparing credit applications, partnering with Wealth Risk Management in negotiating credit terms, helping with and/or creating loan documentation and liaising directly with back-office on security documentation.
• Deal Summaries: Support leadership team in preparation of deal summaries on large credit requests to allow an appropriate early engagement with senior leadership within Private Banking and Wealth Risk Management.
• Collaboration: Active engagement within the respective Private Banking office ensuring the Private Banking Advisor and Associate audience are well aware of credit policy and procedures within the Private Banking segment.

Who You Are

• You have a Bachelor’s degree from a recognized post-secondary educational provider, preference given to candidates who have focused on business and/or finance.
• You can demonstrate experience in credit principles for personal lending including high net worth clientele as well as solid working knowledge of commercial lending.
• You have knowledge and experience reading/interpreting/analyzing financial statements and putting this information into practical use within the context of a credit application.
• You have good working knowledge of CIBC products and services as it relates to high net worth clients.
• You’re digitally savvy with strong computer literacy including proficiency in Microsoft Office suite.
• You’re fluent in French and English to serve our clients in the community.

What CIBC Offers

At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.

CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact Mailbox.careers-carrieres@cibc.com.