Requisition ID: 265715
Join a purpose driven winning team, committed to results, in an inclusive and high‑performing culture.
The Role
The Small Business Manager, Credit Risk is responsible for exercising sound credit judgement and providing quality underwriting decisions. The incumbent must adhere to Bank policy and established exception authorities while balancing production objectives.
ACE’s role is to review credit applications requiring an exception for Retail Branches, Private Banking, Indirect Mortgage, and Indirect Auto channels, and to underwrite for the Small Business (Branch, Health Care & Professional Banking, and Agriculture) channel.
The incumbent contributes to the overall success of the Adjudication Centre of Expertise / Global Operations in Canada by ensuring specific individual goals, plans, and initiatives are executed and delivered in support of the team’s business strategies and objectives. All activities are conducted in accordance with governing regulations, internal policies, and procedures.
Is this role right for you? In this role you will:
- Effectively analyze credit submissions, financial disclosures and pertinent documentation within risk tolerances
- Apply advanced credit judgement, usage of the applicable 5 C’s of credit, and ensure consistent application of policies and processes are analyzed and documented
- Adjudicate within established limits and exception authority and present quality recommendations on requests above established limits
- Calculate financial ratios, identify appropriate credit conditions and security while understanding business and economic trends
- Analyze credit reviews and apply corrective action where appropriate
- Ensure all partner interactions are professional, respectful, and value‑added
- Provide recommendations/alternative solutions, and restructure credit requests with coaching/direction to partners as required
- Act with a sense of urgency in response to partner requests to meet customer expectations
- Deliver against established ACE Service Level Agreement targets
- Contribute to the growth and quality of the Small Business Credit portfolio
- Clearly identify risks and exceptions using strong rationale and associated mitigants to support the decision
- Operate within the Bank’s risk appetite and culture in day‑to‑day activities and decisions
- Maintain acceptable application review ratings from internal quality assurance and audit
Do you have the skills that will enable you to succeed in this role? We’d love to work with you if you have:
- A comprehensive knowledge of the Bank’s Small Business products and services
- An expert understanding of the Bank lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral, and security documentation and registration
- Intermediate accounting and financial statement analysis
- Strong analytical and problem‑resolution skills
- Strong team playing skills and the ability to develop harmonious relationships with Unit team members and stakeholders
- Strong written and verbal communication skills to produce informative, concise, and professional credit replies, presentations, and correspondence (bilingual preferred)
- Strong organizational skills and the ability to prioritize work effectively and efficiently in a high‑volume work environment
What’s in it for you?
- A rewarding career path with diverse opportunities for professional development
- A culture that promotes teamwork, cross‑functional collaboration, and an inclusive workplace that values diversity of thought, background, and experience
- A competitive compensation and benefits package
- Opportunity to work with a very enthusiastic team that helps our clients by ensuring the Bank can continue to deliver key business services
Location(s): Canada : Ontario : Mississauga || Canada : Quebec : Montreal
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