Commercial Credit Portfolio Management - 12 Months Contract

No Other Bank Is Doing What We Do.

At BDC, we help Canada and its entrepreneurs create a prosperous, inclusive and green economy. Our mission is to help Canadian businesses thrive by providing financing, capital and advisory services. We’re devoted to Canadian entrepreneurs. We’re also dedicated to our employees. Adaptable. Inspiring. Different. There’s a reason we like to work here, and we think you’ll like it too. Join BDC and help make a difference!

Diversity. Equity. Inclusion. They’re more than just words for BDC. These concepts are foundational to our success and to our ability to attract, retain, mobilize and develop the right talent, as well as to offer a healthy, professional and collaborative environment. We are committed to cultivating and preserving an environment where all employees can thrive, and, for over a decade, we have been recognized as one of Canada's Top 100 Employers and one of Canada's Best Diversity Employers. In recruiting for our team, we welcome the unique contributions that you can bring in terms of your education, opinions, culture, ethnicity, race, sex, gender identity and expression, nation of origin, age, languages spoken, veteran’s status, color, religion, disability, sexual orientation, beliefs, experiences, and more.

Position Overview

The Commercial Credit Portfolio Manager is an individual contributor who contributes to updating the Bank’s loan portfolio by processing service requests and annual reviews required during the life cycle of a loan. They analyze and recommend complex and advanced service requests and supports the Business Development team in developing efficient solutions to meet the client’s requests while adhering to the Bank’s policies and directives.

CHALLENGES TO BE MET

• Authorize, decline or recommend service requests, within the established parameters, and ensure a high caliber of analysis and due diligence for all loan amendments and service requests
• Coach, mentor and share experience and best practices with team members
• Maintain relationships with business centre personnel and colleagues to foster good teamwork and the pursuit of common objectives and the consistent application of policies
• Keep abreast of economic trends in their region and any potential impact for the Bank’s clients
• Review financial statements, complete the financial analysis and evaluate the risk rating
• Follow up on outstanding issues in the files in accordance with BDC’s audit policies, processes and procedures by ensuring that the forms and information are accurate and complete, the conditions are met, and the signatures are obtained
• Evaluate high and advanced risk requests and offer proactive solutions to restructure agreements, minimize risk and mitigate losses in collaboration with Credit, the business centres and other internal colleagues
• Keep abreast of changes made to policies, procedures and detailed processes and of trends in credit and regulatory issues that may have an impact on BDC
• When completing an annual review, validate the profitability of the portfolio by monitoring the client’s borrowing activities and identify additional opportunities (financing or consulting) and be proactive to retain existing clients
• Actively address situations where potential risks are identified, such as arrears, risk deterioration and declining financial results

What We Are Looking For

• Accounting knowledge and ability to analyze financial statements
• Bachelor’s degree in Commerce or Business Administration
• Demonstrated flexibility to adapt to a changing environment
• 2 to 3 years of experience in commercial lending as an account manager in the banking sector or any relevant experience
• Cooperative attitude
• Ability to analyze complex financial structures
• Ability to identify and solve problems pro-actively with good judgment
• In-depth knowledge of banking products, services, policies, processes and procedures
• Bilingualism (English and French) is an asset
• Good time management skills and ability to set priorities to meet tight deadlines

With us, you'll be able to achieve the work/life balance you're looking for, with competitive working conditions and above-market flexible benefits. This includes modern workspaces to work from when you are in our offices, and, for some specific positions, the ability to work remotely, on reserve, and/or within your community.

While we appreciate all applications, we advise that only the candidates selected to participate in the recruitment process will be contacted. If you are a candidate with a disability and need an accommodation to complete the application process, please email us at [email protected], and include your full name, the best way to reach you, and the accommodation needed to assist you with the application process.