Join a purpose driven winning team, committed to results, in an inclusive and high‑performing culture. Risk Assessment And Rating Assignment Adjudicate and/or authorize credit requests up to assigned limits; make sound recommendations within the Bank risk appetite and in adherence to our policy and standards. Evaluate financial and non‑financial risks for an accurate client risk profiling, and challenge banking strategies ensuring compliance with bank policies and regulatory requirements. Risk assessment and rating assignment, timely monitoring of changes in client’s creditworthiness, and recommending adequate course of action. Understand economic, political and regulatory framework and how it impacts the assigned portfolio. Recommending potential actions. Act as an advisor partner for Banking. Client Centric (internal/ external) Play an integral role in the client relationship experience by collaborating effectively with Banking, providing feedback to ensure a cohesive and efficient client experience while managing risk effectively. Ensure the adjudication process is achieved within the established SLA parameters. Documentation, Data And Reporting Validate GRM critical data elements in credit systems which feed capital and provisions. Support innovation and digitize risk processes, improving accuracy and speed of credit decisions and operational efficiencies. Portfolio Management Account Monitoring: proactive and ongoing monitoring of early warning signs and sectorial/market trends, to ensure timely actions on assigned portfolio. Work with Banking to ensure adherence to all compliance metrics of the loan portfolio is managed effectively within defined KPIs. Keeping the Bank Safe Supports effective and efficient operations of area, while ensuring the adequacy, adherence to and effectiveness of day‑to‑day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct. Team Management Exemplify a culture of risk awareness and accountability, supporting a client centric culture, provide coaching and an attractive value proposition for talent. Skills Minimum of 5 years of experience in financial analysis or credit adjudication. Minimum post‑secondary education completed in business or related area. Extensive experience in complex financial analysis. Good understanding of Bank lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration, collection, related legislation and accounting practices. Proven credit judgment. Proven ability in administering a commercial credit portfolio. Strong negotiation and problem resolution skills. Strong communication skills, written and verbal, to produce informative, concise and professional credit replies, presentations and correspondence. Strong organizational skills and the ability to prioritize work effectively and efficiently. Strong coaching and counseling skills. Language skill: English – advanced. What’s in it for you? An inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success. Competitive rewards package: performance bonus, employee share ownership program, pension plan matching, and health benefits from day one. Career development and progression opportunities. Location(s): Canada : Ontario : Toronto #J-18808-Ljbffr