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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in managing complex credit portfolios within Private Banking, with a strong focus on analyzing financial information and providing credit structuring guidance. Proficient in utilizing credit platforms and collaborating with stakeholders to ensure compliance with credit policies and procedures.
Highest-signal resume keywords
Credit AnalysisFinancial Statement InterpretationCredit Structuring GuidanceCIBC Products KnowledgeFluency in French and English
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit PrinciplesPersonal LendingCommercial LendingFinancial AnalysisLoan DocumentationCredit Application PreparationCredit MonitoringCredit ReviewsMicrosoft Office Suite ProficiencyHigh Net Worth Clientele Knowledge
Soft Skills
CommunicationGuidance and SupportCollaborationNegotiation
Tools & Technologies
ICapCLASS CIBC Credit Platforms
Industry Keywords
Private BankingWealth Risk ManagementEstate PlanningCredit PoliciesHigh Net Worth Financial Concepts
About the role
Key responsibilities & impact- Manage and administer the complex credit book within Private Banking under the direction of the Director, Credit
- Provide guidance and support to Private Banking Advisors on new credit requests
- Analyze client financial information for holding companies and individuals and assess it against credit requests
- Confirm or recommend appropriate lending facilities and security structures
- Communicate with clients and professional advisors on complex credit situations
- Prepare credit applications using iCap and CLASS CIBC credit platforms
- Partner with Wealth Risk Management to negotiate credit terms
- Assist with creating loan documentation and liaise with back-office teams on security documentation
- Monitor the existing complex credit book, particularly credit expiries
- Identify expiries in advance and coordinate monitoring, information gathering, and credit reviews
- Provide credit structuring guidance to Private Banking Advisors and local leadership
- Support leadership in preparing deal summaries for large credit requests
- Engage with Private Banking offices to promote awareness of credit policies and procedures
Requirements
What you’ll need- Bachelor's degree from a recognized post-secondary educational provider; preference given to candidates focused on business and/or finance
- Solid working knowledge of main credit principles for personal lending, including high net worth clientele
- Solid working knowledge of main credit principles for commercial lending
- Working knowledge of product attributes and principles used in personal, residential, mortgage, and business lending
- Knowledge and experience reading, interpreting, and analyzing financial statements and applying the information within credit applications
- Knowledge of high net worth financial and estate planning concepts
- Good working knowledge of CIBC products and services for high net worth clients
- Strong computer literacy, including proficiency in Microsoft Office Suite
- Fluency in French and English
- Legally eligible to work at the specified location(s); valid work or study permit where applicable
- May be required to complete attribute-based assessments and skills tests, including French proficiency testing
Benefits
Comp & perks- Competitive salary
- Incentive pay
- Banking benefits
- Benefits program
- Defined benefit pension plan
- Employee share purchase plan
- Vacation offering
- Wellbeing support
- MomentMakers social, points-based recognition program
- Paid Purpose Day for growth and development
- Accessible candidate experience and accommodation support
- Opportunities for career development and growth
- Flexible work arrangement with on-site and remote work proportions discussed during interview