Real Estate Debt Products Manager

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  team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

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The Debt Products Manager primary purpose is to ensure objectives related to credit underwriting for new loan origination activities are met. The Debt Products Manager is responsible for producing consistent new deal underwriting which analyzes, presents and ultimately mitigates risk for any new credit that is being recommended for approval by US CRE. The position is ultimately accountable for all material presented throughout the loan origination life‑cycle, in New Deals Committee, Prescreen, and Loan Presentations.

The Debt Products Manager will work in close collaboration with their assigned Client Management Regional Head, Market Leads and Group Heads, Asset Management team and DP Team Lead and/or DP Region Head in various capacities, throughout the loan life‑cycle. The role has both external and internal responsibilities including direct engagement with Syndications and Capital Markets, amongst others. The Debt Products Manager will have direct Borrower interaction and will be responsible for maintaining the client‑focused nature of the CRE business.

At CIBC we enable the work environment most optimal for you to thrive in your role. Details on your work arrangement (proportion of on‑site and remote work) will be discussed at the time of your interview. Only local candidates in the Chicago, IL area or willing to relocate will be considered.

• Developing expertise in all aspects of the credit life cycle (i.e. underwriting, loan presentations, closing, etc.)

• Accountable for accuracy of loan approval documents prepared

• Prepare materials presented for pre‑screen by assigned Client Management (CM) team

• Exercise non‑credit approval authority up to approved limits

• Stay current on industry/market conditions, ensuring policies, procedures, standards, and guidelines (identification of emerging issues) remain up to date and adjust or recommend changes to procedures and standards as appropriate

• Recommend appropriate risk ratings in collaboration with DP Team Lead

• Understand CIBC appetite/limit capacity for deal‑specific attributes including business execution, security, HVCRE, etc.

• Escalate “Issues List” from loan document negotiation to Client Manager and DP Team Lead on new transactions as applicable

• Work with DP Team Lead on evolving trends in Commercial Real Estate with collaboration from the assigned Asset Manager. Ensure that the policy, procedure and reference material which govern loan originations and closings are appropriately followed

• Provide feedback to the DP Team Lead and Head of Debt Products ('HDP') in preparation for Enterprise Risk Management’s Known and Emerging Risk Meetings

• Provide appropriate materials and submissions as needed to support the HPA in response to regulators and auditors – internal and external

• Work with the DP Team Lead to ensure issue remediation strategy is sufficient, sustainable, and timely (in accordance with remediation plan/target date). Work with the DP Team Lead and/or HDP in developing and executing management action plans, working with Governance & Controls team, Independent Risk Management (as required per the applicable policies, procedures, standards, and guidelines), and Audit as needed

• Ensure that the HDP has the appropriate materials and submissions as needed to support regulatory filings

• Respond to second line challenge of line of business risk identification and review and provide input to materials generated for risk identification processes (e.g. risk self‑assessments, minutes, and decks)

• Escalate data incident reports and ensure information is captured accurately (including root cause, impact, and control analysis)

• You have 5+ years of demonstrated…