The Credit Solutions Associate contributes to the global success of Commercial Banking Services in Canada by ensuring that individual objectives, initiatives, and plans are met in a way that supports the business strategies and objectives of the team while ensuring that all activities are conducted in accordance with regulation, as well as internal policies and procedures.
Requirements
- Promote a customer-centric culture to deepen relationships with clients and leverage the Bank's relationships, knowledge, and systems.
- Work closely with the Business Development Director to provide the following services to a portfolio of existing and potential client enterprises: Credit Request Analysis and Evaluation, Work closely with the Business Development Director and other team members to understand client needs and develop customized credit solutions, Conduct in-depth credit analysis and evaluate loan requests, including conducting diligent controls required by client enterprises.
- Evaluate the financial health, solvency, and risk profile of the potential borrowing client, Prepare detailed credit files and recommend approval or rejection of the credit request, Analyze financial statements, credit files, and other relevant documents to identify risks and potential opportunities, Treatment of requests and financing, Collaborate with clients and various internal partners and ensure compliance with preconditions, Monitor and manage the credit risk portfolio, ensuring compliance with the Bank's risk management policies and procedures, Identify and mitigate credit risks through proactive analysis and follow-up, Communicate with clients to obtain financial information, analyze financial statements, forecast financials, and loans, analyze results, report any deterioration, and update appropriate systems, Ensure that all documents are classified, accessible, and in compliance with Bank policies regarding file maintenance, Ensure that all credit analysis and evaluation processes are in compliance with regulatory requirements, internal processes, policies, and applicable directives, Stay up-to-date on changes to regulatory frameworks, internal processes, policies, directives, and industry best practices, Identify opportunities to improve processes and efficiency within the credit analysis function.
Benefits
- An enriching and diverse career path and numerous opportunities for professional development, Internal training to help you develop your knowledge and skills, The possibility of being part of an organization committed to advancing things within the community, both for clients and employees, A competitive compensation program and excellent social benefits, The assurance that your excellent work will be recognized and rewarded, You will receive internal training and support from your superiors, with whom you will have useful conversations about your development, to help you progress faster, The opportunity to join a forward-looking organization where you will collaborate with a team of pioneers, The Bank's risk management policies and procedures
