Implementation Lead - Commercial Lending

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Location:

Location: Toronto, Canada

Job Description

We are seeking a full-time Implementation Consultant to support the delivery of Commercial Lending Lifecycle solutions. The ideal candidate will bring deep expertise in commercial lending, loan origination systems (LOS), and client-facing implementation projects, with the ability to manage multiple engagements effectively.

• Lead the implementation on Lending Suite solutions for clients
• Drive client discussions, workshops, and project execution activities
• Manage multiple client programs simultaneously, ensuring timely delivery
• Demonstrate strong understanding of the end-to-end commercial loan origination and approval process, including roles of lenders, relationship managers, and underwriters
• Ensure alignment with lending regulations and compliance requirements

Functional Expertise

• Interpret financial spreads for individuals and businesses, including:
  • Financial ratios
  • Combined financial statements
  • Global cash flow analysis
• Evaluate covenants, including calculation, tracking, and testing
• Understand credit approval processes, authorities, and internal controls
• Analyze key risk metrics such as Probability of Default (PD) and Loss Given Default (LGD)
• Demonstrate knowledge of:
  • Commercial loan types
  • Collateral structures
  • Deal structuring practices
• Review and interpret key business documents such as term sheets and credit proposals
• Analyze financial statements including balance sheets, income statements, and cash flow statements

Required Skills & Experience

• Minimum 8 years of experience in the banking industry
• Hands-on implementation experience with at least one of the following platforms:
  • Abrigo
  • nCino
  • Fusion
  • LaserPro
  • FIS Commercial Loan Origination
  • Fiserv Originate
  • Moody’s CreditLens
• Strong proficiency in Microsoft Office tools
• Proven ability to manage client interactions and lead implementation engagements
• Excellent communication and presentation skills

Domain Experience

• Minimum 5 years of experience in commercial banking/lending, preferably including CRE (Commercial Real Estate) or IRE (Income Real Estate)
• At least 5 years of commercial underwriting experience
• Familiarity with:
  • Rent rolls
  • Unit mix analysis
  • Net operating income statements

The base compensation range for this role in the posted location is: $70000 - 100000/per annum.

Capgemini provides compensation range information in accordance with applicable national, state, provincial, and local pay transparency laws. The base compensation range listed for this position reflects the minimum and maximum target compensation Capgemini, in good faith, believes it may pay for the role at the time of this posting. This range may be subject to change as permitted by law.

The actual compensation offered to any candidate may fall outside of the posted range and will be determined based on multiple factors legally permitted in the applicable jurisdiction.

These may include, but are not limited to: Geographic location, Education and qualifications, Certifications and licenses, Relevant experience and skills, Seniority and performance, Market and business consideration, Internal pay equity.

It is not typical for candidates to be hired at or near the top of the posted compensation range.

In addition to base salary, this role may be eligible for additional compensation such as variable incentives, bonuses, or commissions, depending on the position and applicable laws.

Capgemini offers a comprehensive, non-negotiable benefits package to all regular, full-time employees. In the U.S. and Canada, available benefits are determined by local policy and eligibility and may include: 

• Paid time off based on employee grade (A-F), defined by policy: Vacation: 12-25 days, depending on grade, Company paid holidays, Personal Days, Sick Leave

• Medical, dental, and vision coverage (or provincial healthcare coordination in Canada)
• Retirement savings plans (e.g., 401(k) in the U.S., RRSP in Canada)
• Life and disability insurance
• Employee assistance programs
• Other benefits as provided by local policy and eligibility

Important Notice: Compensation (including bonuses, commissions, or other forms of incentive pay) is not considered earned, vested, or payable until it becomes due under the terms of applicable plans or agreements and is subject to Capgemini’s discretion, consistent with applicable laws. The Company reserves the right to amend or withdraw compensation programs at any time, within the limits of applicable legislation.

Disclaimers

Capgemini is an Equal Opportunity Employer encouraging inclusion in the workplace. Capgemini also participates in the Partnership Accreditation in Indigenous Relations (PAIR) program which supports meaningful engagement with Indigenous communities across Canada by promoting fairness, accessibility, inclusion and respect.  We value the rich cultural heritage and contributions of Indigenous Peoples and actively work to create a welcoming and respectful environment. All qualified applicants will receive consideration for employment without regard to race, national origin, gender identity/expression, age, religion, disability, sexual orientation, genetics, veteran status, marital status or any other characteristic protected by law.

This is a general description of the Duties, Responsibilities and Qualifications required for this position. Physical, mental, sensory or environmental demands may be referenced in an attempt to communicate the manner in which this position traditionally is performed. Whenever necessary to provide individuals with disabilities an equal employment opportunity, Capgemini will consider reasonable accommodations that might involve varying job requirements and/or changing the way this job is performed, provided that such accommodation does not pose an undue hardship. Capgemini is committed to providing reasonable accommodation during our recruitment process. If you need assistance or accommodation, please reach out to your recruiting contact.

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Capgemini is a global business and technology transformation partner, helping organizations to accelerate their dual transition to a digital and sustainable world, while creating tangible impact for enterprises and society. It is a responsible and diverse group of 340,000 team members in more than 50 countries. With its strong over 55-year heritage, Capgemini is trusted by its clients to unlock the value of technology to address the entire breadth of their business needs. It delivers end-to-end services and solutions leveraging strengths from strategy and design to engineering, all fueled by its market leading capabilities in AI, generative AI, cloud and data, combined with its deep industry expertise and partner ecosystem.