The Role
- Assess the credit worthiness of both commercial (corporate) and individual borrowers, while adhering to the Bank’s lending guidelines and policies.
- Provide recommendations and approvals within designated limits. Ensure that approved deals close as scheduled and as efficiently as possible, by following up on outstanding conditions / documents and ensuring compliance with established guidelines.
- Demonstrate a comprehensive understanding of the nuances of Whole Life Insurance policies, including their structure, functionality, as well as the impact of future policy changes on the credit portfolio.
- Deliver exceptional, customer-centric service to both internal and external stakeholders; participate in sales meetings, as required.
- Actively engage in team efforts and support colleagues.
- Maintain a high level of professionalism in all interactions.
- Support other areas within the Growth Business unit as required.
Let's Talk About You
- Post-secondary education in business or finance.
- In-depth knowledge of commercial underwriting and financial statements analysis.
- Proficient underwriting skills, with a minimum of 1 year of commercial lending experience.
- Insurance lending experience preferred
- Exposure to and knowledge of whole life insurance products is highly preferred.
- Strong analytical and problem-solving skills, with the ability to assess credit applications holistically.
- Sound knowledge of AML & ATF practices.
- Excellent time management, analytical and problem-solving skills, able to handle multiple competing priorities. Ability to make decisions under pressure.
- Proven ability to thrive in a constantly changing environment and to perform well in a high volume, high intensity environment.
- Excellent relationship building skills.
- Knowledge of fraud risk in the credit and insurance industries and the ability to address concerns relating to suspected misrepresentation is required.
- A desire and a willingness to join a growing team and evolving product.
- Proficiency in MS Office (mainly MS Word and Excel).
- Mandarin speaking will be an asset.
What we offer For full-time permanent roles Competitive discretionary bonus Market leading RRSP match program Medical, dental, vision, life, and disability benefits Employee Share Purchase Plan Maternity / Parental top-up while you care for your little one Generous vacation policy, personal days and even a moving day Virtual events to connect with your fellow colleagues Annual professional development allowance and a comprehensive Career Development program A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience
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