Job Title:
Credit Risk Manager
Job Summary:
Assess and evaluate credit requests, develop structuring solutions within acceptable credit/risk parameters, and drive business development while ensuring revenue growth remains within the bank's risk appetite.
Key Responsibilities:
* Analyse complex credit requests in full autonomy and develop/implement solutions within acceptable credit/risk parameters
* Ensure credit structuring/granting is aligned with the bank's risk appetite, limits, policy, and procedures
* Provide credit ratings for requests
* Decide on complex credit files within delegation authority framework
* Responsible for business development and revenue growth remaining within bank's risk appetite
* Play a key role in credit approval process and ensure implementation of credit files in line with decision
* Check data quality of credit request (in systems and credit sheet)
* Propose solutions to improve processes and data collection
* Follow up on regularization of margin call and excess of max limit for Lombard Loan
* Train and guide team members on various processes and projects
Required Skills:
* Master's degree in Economic, Finance or related field, or equivalent experience
* At least 5 years of experience in banking sector or relevant position
* Fluency in French and English; any other language an asset
* Good understanding of Laws & Regulations, Tax, Data Collection & Analysis, and Systems
* Strong knowledge of Credit Expertise, Guarantees, Risk Assessment & Mitigation, and Negotiation
* Excellent understanding of Credit Products Knowledge, and Policies & Procedures
* Autonomous and responsible, shows sound judgment and courage when needed
* Effective and structured communication skills, both oral and written
* Positive mindset, open to growing and learning
* Solution-oriented with complex problem-solving and critical thinking skills
Benefits:
As a Credit Risk Manager, you will have opportunities for professional growth and development, work with a dynamic team, and enjoy a competitive compensation package.