Senior Manager Commercial Credit Risk

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