Account Management Director

The Specialized Lending Account Manager is primarily responsible for underwriting and adjudicating credit applications in accordance with delegated lending authority as prescribed and the company’s established credit risk appetite and tolerances. In this role you will ensure compliance with credit policies and practices, provide sound recommendations, and develop action plans to mitigate risk and exposure. This description outlines the core responsibilities but does not represent an exhaustive list of duties. The company reserves the right to modify responsibilities or assign additional tasks at any time.
Key Responsibilities
Individual Responsibilities
Review lending applications secured by insurance and wealth assets; exercise delegated lending authority to approve or decline applications.
Conduct independent, accurate, and thorough credit analysis with recommendations that mitigate risk to client Bank.
Provide clear, well supported rationale for underwriting decisions.
Review and analyze loan applications and supporting documentation to ensure compliance with policies, guidelines, and regulatory requirements.
Maintain credit portfolio quality within established risk appetite and regulatory standards, minimizing loan losses through sound adjudication.
Collaborate with internal partners to strengthen risk practices and recommend structural enhancements to protect the company’s position in the event of default.
Escalate credit applications exceeding delegated limits to the appropriate approval authority.
Drive continuous improvement in origination and adjudication quality and support a strong risk based culture.
Maintain strong portfolio governance, including timely completion of annual reviews.
Organize and prioritize multiple tasks across diverse responsibilities to meet deadlines.
Shared Responsibilities
Promote collaboration across teams to ensure adverse credit decisions are communicated professionally and efficiently.
Contribute to fostering a culture of risk awareness, compliance, and sound judgment.

Soft Skills
Demonstrated ability to collaborate effectively and influence outcomes
Excellent communication skills and professionalism.
High level of self-motivation, urgency, and ability to work independently.
Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.

Candidate Requirements/Must Have Skills:

• Minimum 5+ years of experience in commercial banking or lending.
• Strong understanding of the financial services industry.
• Bilingualism – French and English (fluent speaking, writing, and reading)

Nice-To-Have Skills:

• Experience working with ultra high net worth clients.
• Experience exercising lending authority or working in credit risk.

Education:
~ Bachelor’s degree in Business, Commerce, Economics, or Finance.

Best vs. Average:
Experience in credit risk or delegated lending authority with a track record of approving deals.
Strong bilingual capabilities in both French and English.
Private banking experience is a strong differentiator.
Able to work independently, learn quickly, ask the right questions, and hit the ground running.