Wholesale Credit Review Vice President

Join our dynamic and growing team in Internal Audit and get an opportunity to focus on portfolios within the Commercial and Investment Bank, Wealth Management, and Business Banking lines of business

Job Summary:

As a Wholesale Credit Review Vice President within our Credit Review team in Internal Audit, you will take the lead in planning and executing periodic credit reviews, as well as participating in review assignments. Your role will involve guiding team members in activities that assess wholesale loan transactions and conduct evaluations of underwriting and portfolio management. This will allow you to independently provide opinions on the adequacy of underwriting analysis, the accuracy and timeliness of risk grading decisions, the suitability of credit mitigation actions, and the effectiveness of the credit management process and key controls supporting credit quality. In between periodic reviews, you will independently monitor credit risk trends within assigned commercial lending portfolios, attend relevant meetings, and foster and maintain relationships with internal stakeholders responsible for credit approval.

Job Responsibilities

• Lead a team of reviewers as reviewer-in-charge by chairing the planning, kick-off, findings presentation, and closing meetings. Coordinate with the Credit Review Director on team assignments, define project scope, evaluate credit risk controls, communicate with management, review and assess findings, recommend corrective actions, write reports, and archive documents
• Participate in Credit Review team-led reviews by preparing financial analyses and risk assessments, evaluating credit underwriting quality, recording findings, and engaging in review meetings
• Perform continuous monitoring of assigned portfolios and participate in portfolio review meetings
• Serve as an information resource on wholesale credit risk and policy. Partner with Credit Risk Management stakeholders to establish strong working relationships while maintaining independence
• Ensure consistent application of firm wide Risk Policy as well as Credit Review Policies and Procedures
• Complete special projects and research as assigned by the Credit Review Director

• Experienced credit professional with minimum 10+ years wholesale credit experience
• MBA (Finance), Chartered Accountancy
• Demonstrated understanding of commercial credit principles and strong analytical and credit rating skills
• Comprehensive knowledge of Corporate Banking business and related products, pertinent regulations, lending/ credit approval processes, and credit/ loan documentation
• Experience with large institutional clients, capital market products, derivatives, credit and cash management, trade finance and securities products
• Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management
• Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to demonstrate personal responsibility and accountability
• Proven ability and desire to learn quickly, be adaptable, and think strategically
• Ability to manage multiple tasks concurrently, with a high sense of urgency
• Works well individually and in teams, shares information, supports colleagues, and encourages participation
• Ability to travel as required (less than 10%)

• Background in wholesale credit underwriting and credit risk management preferred
• Previous credit review experience is preferred, but not necessary