Senior Manager, Corporate Commercial Credit

Your Moneris Career - The Opportunity As the Senior Manager, Corporate-Commercial Credit, you will lead a team of Senior Credit Analysts responsible for managing Moneris’ commercial credit risk portfolio, including Large Key Accounts (LAKA), Strategic Partners, and higher-risk Small and Medium Business (SMB) clients. You will oversee underwriting, portfolio monitoring, and risk mitigation activities that support business growth while maintaining risk within established appetite.

Partnering with leaders across the organization, you will leverage data, analytics, and industry insights to guide risk-based decision‑making, strengthen portfolio performance, and enhance Moneris’ credit risk framework.
Location: You will be based in our Etobicoke office, balancing in‑office collaboration with remote flexibility.
Reporting Relationship: You will report to the VP, Merchant Portfolio Risk Management.
Posting Type: Replacement.
Salary Range: The expected base salary range for this role is $132,000 - $172,000. Total compensation may also include variable or discretionary incentive components, including but not limited to bonuses and commissions. Individual job offers are determined by various factors, including experience, education, skills, certifications, and other business needs.

Lead the Corporate-Commercial credit team to ensure portfolio performance remains within established risk appetite and key metrics, including portfolio growth, attrition, concentration, distribution trends, and loss provisions. Lead, develop, and coach a team of Senior Credit Analysts, providing performance management, development opportunities, and guidance on complex credit decisions and risk assessments. Identify and remove obstacles to performance and explain how performance expectations align with business priorities.

Ensure the team decisions within policies, standards, guidelines and is applying risk judgement across the controls Manage service levels for the deals, renewals pipeline within credit risk-appetite and performance targets. Ensure the controls remain adequate within the 3

LODs
-lines of defense. Execute as an approver for management $ limits and delegate $ limit approval authority across the team. Be the first contact for escalation and lead deal flow execution, ensuring timely adjudication, removing pipeline bottlenecks, and enabling efficient decision-making to support revenue realization. Apply credit risk models, data analytics, external risk indicators, and industry best practices to support underwriting decisions and portfolio oversight.

Monitor economic conditions, industry trends, and emerging risks, and implement appropriate mitigation strategies to address potential portfolio impacts. Oversee collateral management, high-risk industry reviews, risk rating methodologies, and counter party credit assessments using tools such as FRISK, Moody’s KMV, S&P Capital IQ, and proprietary risk models. Enhance credit risk processes, controls, and governance practices that support the identification, assessment, monitoring, and management of portfolio risk.

Partner with LAKA Sales, Strategic Partners, and ISO channels to structure credit solutions, negotiate underwriting terms, and support business growth while maintaining sound risk management practices. Manage relationships with Moneris’ largest and most strategically important clients, negotiating credit arrangements, security structures, and covenant requirements. Execute outmost professionalism with clients-partners on all aspects of Moneris’ risk oversight program to fit risk appetite while maintaining a competitive market approach.

Negotiate with client C-suite level to structure and negotiate appropriate Credit terms and agreement…