Senior Manager, Credit Control Effectiveness - Credit Risk Strategy, Canadian Banking

Senior Manager, Credit Control Effectiveness – Credit Risk Strategy, Canadian Banking

Requisition

Join a purpose driven winning team, committed to results, in an inclusive and high‑performing culture.

Contributes to the overall success of Canadian Commercial Bank. Reporting to the National Director of Credit Control Effectiveness, the Senior Manager supports the Commercial National Office in ensuring specific goals, plans, and initiatives are executed or delivered in support of the team’s business strategies and objectives. All activities are conducted in compliance with governing regulations, internal policies, and procedures.

The Senior Manager is responsible for executing assigned project reviews and ensuring Commercial Banking groups or teams are complying with credit and operational processes. The role engages with internal partners such as Commercial Banking 1A teams, GRM, BBO, Legal, Audit, and others to disseminate results and support process changes or enhancements as a subject‑matter expert. The intended outcome is process standardization and optimization across the Commercial Banking platform.

The ideal candidate should have Commercial, Corporate, or International Banking experience within one of the following functions:

• Banking:
  End‑to‑end Credit Execution
• GRM:
  Adjudicating Credit Applications
• Internal Audit type function:
  Performing Loan File Review testing for Commercial or Corporate borrowers

Responsible for providing effective challenge through evaluating the design and operating effectiveness of Credit and Operation processes in Commercial Banking.

Conducting comprehensive Loan File Review testing to ensure adherence to policies, regulatory requirements, and risk management standards.

Regular communication with Banking and GRM teams to disseminate credit and operational process changes, compliance trends, and coaching opportunities.

Provide support to process/project owners to ensure initiatives and process changes are implemented efficiently within audit, compliance, and operational standards to minimize risk to the Bank.

Champions a customer‑focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.

Provide coaching and/or oversight to peers and direct reports (if applicable) to ensure consistent testing practices and accurate information documentation.

• Execute assigned project testing reviews, ensuring scope of work is in accordance with approved plan and timing, and budgeting is reasonable.
• Review and test various processes to assess if design and operating effectiveness are appropriate. Diagnose the root cause of any findings through discussions with stakeholders, reviewing controls, and assessing current systems.
• Conduct loan file review testing to ensure credit risk assessments and underwriting standards comply with policies and procedures, while evaluating the appropriateness of borrower and facility risk ratings.
• Identify and drive efficiencies and process improvements.
• Present findings to leadership and stakeholders outlining gaps, trends and material findings.
• Ensure processes are designed to appropriately address risks while ensuring client‑centric focus, with the ultimate objective to improve the client experience.
• Respond to periodic asks from Senior Leadership for refinements or new areas of focus which may be specific to industries, new processes or regulatory changes.

• Maintain regularly scheduled meetings with Commercial Banking and GRM teams to present recently identified gaps, themes, best practices, and recent audit findings and process changes.
• Collaborate with Banking partners, BBO, GRM, Credit Solutions Group, etc. to determine the root cause of findings to identify the most effective solution.
• Provide Sr. Leadership testing results quarterly to advise of trends, gaps and action plans. This includes contributing to the Commercial Core Risk Committee deck.
• Work with the Performance Enablement, Credit Solutions Group and other business units as required to identify areas of training needs for various credit and operational…