Commercial Banking Market Lead

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

Job Description

The Relationship Manager’s primary purpose is managing a portfolio of clients with their strategic and daily relationship needs to deliver top-notch customer service. S/he will work closely with the Group Portfolio Manager, Credit and Services teams to execute client requests in an efficient and effective manner. RM collaborates with the Market Lead to increase new relationships of the Bank through a team approach to meet the credit and relationship needs of clients. RM will seek greater penetration of existing relationships through active cross sale of credit and non-credit bank products with the ultimate goal of profitable growth of strategic client relationships.

Responsibilities:

• Servicing of current Bank relationships resulting in efficient delivery of credit and other bank services, introduction to cross sale partners and active portfolio management.
• Maintain and develop client relationships, exploring opportunities to provide additional credit and non-credit services. Seek to become trusted advisor through regular client contact and relationship building.
• Serve as Client’s primary internal resource as it relates to relationship and credit needs.
• Identify product/service opportunities for other business units and participates in development of creative solutions to client needs, coordinates presentations, and brings in partners when appropriate.
• Interact with other team members (Group Portfolio Manager, Market Lead and Credit) to achieve ultimate approval for new business and modifications to existing business, including active participation in and adherence to requirements of Fit Assessment & Deal Screen meetings.
• Ensure consistency in deal structuring to bridge client needs to appropriate risk mitigation through detailed analysis and underwriting of credit.
• Present deals at Loan Committee and any necessary pre-meetings.
• Coordinate all meetings with the client, including any collateral site visits.
• Collaborate with Market Leader as part of a team to ensure delivery of top-notch client service..
• Complete necessary analysis and documentation to achieve credit actions related to RM’s existing portfolio (e.g., structure, waivers, and modifications).
• Complete portfolio responsibilities including portfolio reviews, renewals, reporting in a timely manner (quarterly and annually), 5, Shared National Credit, CAMP, etc for credits in his/her portfolio. Serve as resource for Group Portfolio Manager in preparation for portfolio review meetings and will actively communicate knowledge of the risk points within portfolio.
• Responsible and accountable for the risk rating accuracy and risk identification on assigned portfolio. Seek to actively keep informed of changes to policy and procedure that will impact portfolio (credit policy, risk rating framework, regulatory, compliance requirements).
• Quarterback to drive deals through the underwriting and closing process.
• Negotiate legal documentation related to transactions.
• Maintain active in industry events to maintain current market knowledge and client relationships.
• Expertise in credit structure, underwriting, and negotiation. Able to work independently.
• Oversee production of necessary work product to facilitate credit actions (LPs etc).
• Heightened focus on penetration of relationships (i.e. cross sale) and potential repeat business. In addition to new business opportunities as available.
• Mentor junior RMs, Commercial Lending Associates, Credit Analysts, and Client Banking Specialists. Potentially transitioning mature relationships to RM II or III.

Qualifications:

• Expertise in credit structure, underwriting, and negotiation. Able to work independently.
• Oversee production of necessary work product to facilitate credit actions (LPs etc).
• Heightened focus on penetration of relationships (i.e. cross sale) and potential repeat business. In addition to new business opportunities as available.
• Mentor junior RMs, Commercial Lending Associates, Credit Analysts, and Client Banking Specialists. Potentially transitioning mature relationships to RM II or III.
• Completion of formal Credit Training
• College Degree / Business, Finance, Accounting, Real Estate, Economics preferred
• Ability to foster and maintain commercial relationships with high level of competency
• Ability to identify risk within credit requests
• Proficient in Microsoft Office products with advanced knowledge financial analysis and modeling.

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

• CIBC is committed to doing our part to protect our team, our clients and our communities. We want to ensure we have a safe and healthy workplace, and we want to do our part to get through this pandemic. In keeping with this commitment, and as a condition of employment, CIBC requires all successful candidates to be fully vaccinated against COVID-19 as of their start date, or provide written proof of a medical exemption, or other substantiated accommodation request under applicable human rights legislation.

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