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** As an Senior Credit Risk Analyst, you will be accountable for reviewing, processing and approving complex residential mortgage / real estate secured and unsecured applications received from branches and alternate distribution channels in a timely and effective manner. _At CIBC we enable the work environment most optimal for you to thrive in your role._ _You can effectively perform all work activities remotely, and will only be required to be on-site on an occasional basis._ **How you'll succeed** + **Make effective decisions –** Negotiate/approve/conditionally approve/ recommend/decline, within established guidelines and authorized lending limit of up to $4,000,000, complex residential mortgage, real estate secured and unsecured applications. Complex applications include (but not limited to) multiple rentals, progress draws, purchase plus improvements, aboriginal loans, special programs, remediation loans, low side score overrides, GDS/TDS exceptions, environmental issues, card products over $50,000, CIBC O/D protection service, discretionary overdraft limits & specialized unsecured lending. + **Facilitate risk assessment –** Gather, review and critically assess property specific third party due diligence reports including real estate appraisals, environmental site assessments. Review real estate appraisals for consistency with prevailing market conditions. + **Consultative** - Act as a consultant for underwriters, branches, mortgage advisers & brokers wishing to appeal credit decisions. Negotiate satisfactory resolution to applications within the business and credit risk objectives of the Bank. Provide specialized advice and guidance on company policy, procedures, and security value estimates. + **Leadership** - Provide guidance and counsel on adjudication matters to various senior mortgage business partners to assist them in meeting their business plan objectives while maintaining an acceptable level of risk in the portfolio. Alert Director to any deteriorating signs of credit quality or unusual industry / geographic trends emerging in the managed portfolios. **Who you are** + **You can demonstrate experience in** the mainframe applications CLASS, Target sufficient to input data, call up information and create and edit documents/spreadsheets. It’s an asset if you have working knowledge of the options of CIBC Mortgages and related areas typically acquired through two years general mortgage. + **You put our clients first.** You engage with purpose to find the right solutions. You go the extra mile, because it's the right thing to do. + **You understand that success is in the details.** You notice things that others don't. Your critical thinking skills help to inform your decision making. + **You give meaning to data.** You enjoy investigating complex problems, and making sense of information. You're confident in your ability to communicate detailed information in an impactful way. + **You act like an owner.** You thrive when you're empowered to take the lead, go above and beyond, and deliver results. + **Values matter to you.** You bring your real self to work and you live our values – trust, teamwork and accountability. + **You're fluent in French and English** to serve our clients in the community. **\#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** Mont-1155 Rene Levesque 14th **Employment Type** Regular **Weekly Hours** 37.5 **Skills** Analytical Thinking, Credit Decisions, Decision Making, Mortgage Documentation, Real Estate Lending, Risk Assessments, Risk Management and Mitigation, Underwriting 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.