Manager,Wealth Credit Structuring Job Winnipeg area,Manitoba Canada,Finance & Banking

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In this role you will:

Responsible for the completion of all Private Banking cust
omized/commercial
credit structuring activities in the assigned territory/Centre(s) by:

Ensuring the timely analysis, structuring and presentation of credit proposals

Performing proper due diligence in evaluating information to ensure the critical personal/business elements and fundamental risks are identified and material facts are verified.

Providing prompt and sound recommendations in the analysis and presentation of credit proposals

Recommending loan pricing and credit-related fees which yield a return commensurate with risk and due regard to profit, administration and competitive considerations

Recommending terms, conditions and covenants to provide a viable banking proposal to the client within sound credit lending practices

Restructuring marginal proposals into bankable deals where possible

Ensuring effective communication with the (Sr.) Private Bankers to clearly convey the rationale for decisions, so that they may respond effectively to clients

Providing guidance and counsel to (Sr.) Private Bankers, so that they may better serve clients’ needs.

Participating in meetings with customers, proactively identifying credit and other issues

Accompanying (Sr.) Private Banker(s) to client meetings to build relationships and obtain relevant information to build an understanding of client’s credit needs

Proactively identifying lending and cross-sell opportunities in the existing portfolio during the credit application or annual review processes and referring them to the Private Banker and Regional Director Wealth Credit Structuring.

Performing detailed evaluation of all information received and reporting
deficiencies or any negative findings to senior management:

Advising senior management of any credit weaknesses developing within individual accounts, by ongoing awareness and analysis of relevant financial, legal, political, technological, and industry information

Conducting annual reviews of commercial loans and services in an accurate and timely manner.

Ensuring retail and commercial collateral is property completed, executed and lodged in accordance with standard Bank policies and procedures, including timely IG code reassessment and exiting relationship as appropriate.

Proactively recognizing problem accounts at an early state and taking appropriate action to protect the Bank’s interests including identifying negative trends.

Assisting with client restructuring including obtaining additional security or realizing on collateral

Adhering to any regulatory and internal Bank policies including compliance requirements, such as Reputational and Suitability Risk

Ensuring adherence to the Bank’s Anti-Money Laundering program, Know Your Customer requirements and Guidelines for Business Conduct, by reporting any unusual occurrences or fraudulent activities per established procedures

Responsible for the accurate communication and effective and timely implementation of the terms and conditions of credit authorization by:

Reviewing all written authorizations to ensure accuracy, completeness and clarity

Promptly following up for acceptance of client offers/ documentation and address any problems, amendments, extensions, reporting to senior management where necessary

Promptly and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security

Providing prompt responses to client or senior management requests and inquiries, problem solving for clients and assisting them with navigating different areas of the Bank.

Maintaining knowledge of and relationships with specialized area of the Bank which may be of benefit.

Provide strong team leadership to motivate and develop individual and
team performance by:

Participating actively in team learning and development activities and team performance achievements.

Building effective working relationships across the team and with various business line and corporate function contacts.

Maintaining a high level of customer service

Facilitating a culture of open and honest communication.

Actively participating and contributing to touch bases…

Manager, Wealth Credit Structuring