Credit Solutions Manager QC

Credit Solutions Manager
- Anjou, QC/Hamilton, ON

Requisition

Credit Solutions Manager
- Automotive Finance (Hamilton, ON)

Responsibilities:

• Contribute to the profitable development of Automotive Commercial Credit business by ensuring timely analysis, structuring, and presentation of credit proposals within the prescribed segment.
• Attend client meetings (Teams, phone, or in person) to understand borrowers’ needs and provide sound credit recommendations.
• Provide prompt and sound recommendations in the analysis and adjudication of credit proposals exceeding assigned limits.
• Ensure (Sr.) RM communication clearly conveys decision rationale.
• Monitor pricing guidelines and hurdles for loans and credit‑related fees to drive profitable growth.
• Recommend alternative terms, conditions, and covenants to provide viable banking proposals within sound lending practices.
• Restructure marginal proposals into bankable deals when possible.
• Provide guidance and coaching to (Sr.) RM, enhancing client service.
• Work directly with GRM partners to ensure authorization matches requests and achieve timely adjudication.

Additional responsibilities include ensuring accurate communication and implementation of authorizations:

• Review written authorizations for accuracy, completeness, and clarity.
• Ensure prompt follow‑up for acceptance of authorizations and address issues swiftly.
• Address loan documentation adequacy, quality, and security issues.
• Liaise with RM on required changes and follow up before fund disbursement.
• Provide GRM with feedback when authorizations differ from requests.

Ensure ongoing quality of the credit portfolio:

• Advise senior management of credit weaknesses in accounts through analysis of relevant financial, legal, political, technological, and industry information.
• Adhere to regulatory and internal Bank policies and requirements.
• Comply with KYC, AML/ATF, privacy, and OHS requirements.

• Undergraduate degree in business or economics (or work‑related equivalency).
• Excellent risk assessment, accounting and financial analysis skills.
• Good coaching skills and understanding of customer profitability model.
• Ability to build solid business‑case justification for deals.
• Self‑starter with ability to prioritize and multi‑task.
• Superior interpersonal and teamwork skills.
• Industry knowledge and MBA or professional designation (CPA, CFA, etc.) considered assets.

• Opportunity to join a forward‑thinking organization with a collaborative team.
• Competitive compensation and benefits package.
• Commitment to making a difference in communities.
• Recognition and rewards for high performance with leadership support for development.
• Clear, transparent criteria for career progression.

Location(s):
Canada :
Quebec :
Anjou