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As a Specialized Lending Account Manager, you will be at the forefront of credit adjudication, specifically reviewing applications secured by insurance and wealth assets. Reporting to the Director of Specialized Lending Account Management & Underwriting, you will be responsible for underwriting applications in alignment with delegated lending authority and the company’s established risk appetite. This role is critical in ensuring that credit decisions are well-supported, compliant with regulatory standards, and aligned with the bank's long-term risk mitigation strategies.
Job Responsibility:
Review lending applications secured by insurance and wealth assets
Exercise delegated authority to approve or decline applications based on thorough credit analysis
Provide clear, well-supported rationale for underwriting decisions and recommend structural enhancements to protect the company’s position in the event of default
Ensure all loan applications and documentation comply with internal policies, guidelines, and regulatory requirements
Manage annual portfolio reviews
Work closely with internal partners to strengthen risk practices and communicate credit decisions professionally and efficiently to diverse stakeholders
Maintain credit portfolio quality within established risk tolerances to minimize loan losses
Support a strong risk-based culture and drive improvements in origination and adjudication quality
Requirements:
Minimum 5+ years of experience in commercial banking or lending
Fully Bilingual (French/English) with fluent speaking, reading, and writing capabilities is mandatory
Bachelor’s degree in Business, Commerce, Economics, or Finance
Deep understanding of the financial services industry and credit risk principles
Nice to have:
Experience with ultra-high-net-worth clients
Private banking experience
Track record of exercising independent lending authority
Exceptional self-motivation, organizational skills, and the ability to work independently with minimal direction
What we offer:
Fully Remote Work: Enjoy the flexibility of working from anywhere in Canada
Stability: A guaranteed 12-month contract with the potential for extension or conversion
High-Level Exposure: Gain experience in specialized lending involving ultra-high-net-worth (UHNW) clients and complex wealth-secured assets
Professional Growth: Opportunity to work within a prestigious financial institution and exercise significant delegated lending authority
Work-Life Balance: Standard 37.5-hour work week with a consistent Monday–Friday schedule