SENIOR MANAGER, UNDERWRITING – CREDIT RISK MANAGEMENT

Overview

In this role you help drive growth for Canadian SMEs by underwriting and authorizing well-supported loan proposals. You will apply strong credit judgment to moderate-to-high complexity files and ensure risk-aligned decisions. You’ll collaborate with internal partners to structure favorable terms and mitigate risk while supporting portfolio growth. This position offers development, coaching opportunities, and a chance to contribute to a purpose-driven bank dedicated to entrepreneurs.

Pay / Benefits

• Employee Savings and Investment Plan with company match
• Defined Benefit Pension Plan
• wellness and health care spending account ($750)
• paid vacation
• five personal days
• sick days as needed

Responsibilities

• Underwrite and authorize comprehensive loan proposals for moderate-to-high complexity files ($350k–$1.5M) using detailed financial analysis and due diligence
• Determine credit terms, pricing, repayment structures, and covenants in line with credit policies
• Review loan documentation and negotiate transaction structures with internal partners to ensure policy alignment
• Support compliance matters and changes during negotiation to ensure risk mitigation and timely decisions
• Provide practical, well-suited client solutions through sound judgment and problem solving
• Build and maintain trusted relationships with business centre colleagues and internal partners to foster collaboration
• Stay current on policy, process, and regulatory changes affecting credit
• Coach and mentor new employees, supporting knowledge sharing within the team and with internal partners

Key requirements

• Bachelor’s degree in commerce, business administration, accounting, or a related field
• CPA or CFA designation considered a strong asset
• Minimum of five years of relevant experience in credit analysis, loan adjudication, or related financial services role
• Experience coaching or mentoring teams
• Strong ability to analyze, structure, and assess commercial financing transactions
• Solid understanding of credit risk policies, governance, and procedures
• Knowledge of BDC products, services, policies, and processes or ability to develop this quickly
• Excellent communication skills and ability to influence and negotiate with internal partners and clients
• Strong organizational skills and ability to manage multiple priorities in a high-volume environment
• Solid business acumen and understanding of SME realities and dynamics
• Collaborative team player with cross-functional collaboration experience

• collaboration
• communication
• negotiation
• credit analysis
• loan adjudication
• commercial lending

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