We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute. To learn more about CIBC, please visit CIBC.com (https://www.cibc.com/en/about-cibc.html) **What you'll be doing** Credit Risk Management works with its partners to understand, measure and monitor risk and adhere to CIBC's quality and concentration policies in order to maintain a risk profile that is consistent with the CIBC Risk Appetite Statement. As the Commercial Credit Risk Manager, you will form an integral part of the Ontario Regional Credit team. In this role, you will be responsible for adjudicating credit applications within their delegated lending authority, managing a portfolio of diversified regional independent business and mid-market commercial loans, and partnering with Commercial Banking officers through regular dialogue, consultation, and periodic visits. _At CIBC we enable the work environment most optimal for you to thrive in your role. You’ll have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 1-3 days per week on-site, while other days will be remote._ **How you'll succeed** + **Credit adjudication –** Adjudicate credit applications for Commercial Banking clients within a designated portfolio and lending authority. + **Portfolio management –** Proactively manage a credit portfolio of diversified Commercial Banking clients through sound financial and non-financial analysis as well as an understanding of emerging trends within the regional economic, industry and business environments. + **Relationship building –** Make an impact by developing strong relationships with internal partners, external intermediaries and industry associations. + **Team building –** Provide mentoring, advice, and guidance on credit risk matters to internal partners. **Who you are** + **You can demonstrate** 1+ years' experience in Commercial/Business banking, banking credit and/or credit adjudication. You can also demonstrate experience reviewing and understanding financial statements. You are proficient with MS Office, Excel, and PowerPoint. + **You have a degree.** Undergraduate degree in Business, Commerce, and/or related field. **It’s an asset** if you have other designations including an MBA, CPA or CFA. + **You embrace and advocate for change.** You continuously evolve your thinking and the way you work in order to deliver your best. + **You know that details matter.** You notice things that others don't. Your critical thinking skills help to inform your decision making. + **Your influence makes a difference.** You know that relationships and networks are essential to success. You inspire outcomes by sharing your expertise. + **Values matter to you.** You bring your real self to work and you live our values – trust, teamwork and accountability. \#LI-TA **What CIBC Offers** At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck. + We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program. + Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients. + We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development. *Subject to plan and program terms and conditions **What you need to know** + CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact Mailbox.careers-carrieres@cibc.com + You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit. + We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, French proficiency, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us. **Job Location** Toronto-81 Bay, 30th Floor **Employment Type** Regular **Weekly Hours** 37.5 **Skills** Analytical Thinking, Business Banking, Business Credit, Business Development, Credit Adjudication, Credit Processes, Credit Risk Management, Ensure Compliance, Financial Analysis, Group Problem Solving, Portfolio Management At CIBC, we are in business to help our clients, employees and shareholders achieve what is important to them. Our ability to create value for all CIBC stakeholders is driven by a business culture based on common values: Trust, Teamwork and Accountability. Working with CIBC makes you a part of a work environment committed to our clients, employees and communities - a place where you can excel. Every day, our 44,000 employees help our clients achieve their financial goals, because what matters to our clients, matters to us.