Sr Credit Risk Manager (Business Banking)

In this role you will monitor the financial health of an assigned loan portfolio and liaise with clients and the deal team to drive credit reporting and updates. You will underwrite, structure, and renew transactions, lead client and internal meetings, and guide risk assessment and policy adherence. You'll oversee due diligence, credit presentations, and close processes, while ensuring timely reporting and covenant compliance. This is a hands-on, cross-functional role that shapes lending decisions and portfolio performance within the bank's risk framework.

• Monitor ongoing financial health of assigned loan portfolio and communicate with clients and business team
• Underwrite and structure new and renewal transactions, and modifications
• Lead external client meetings and internal deal team discussions with senior management
• Identify and mitigate lending risks; advise on Credit Policy and risk appetite
• Review credit packages and mentor junior staff; ensure timely underwriting and approvals
• Oversee legal documentation and closing process; present requests to credit authorities
• Maintain dashboards and reports for portfolio monitoring, compliance with loan terms
• Contact clients for account monitoring and administration; conduct site visits as needed
• Validate financial statements and reports to verify compliance; escalate issues and develop action plans
• Prepare quarterly and management reports, including Criticized Loan Monitoring Reports
• Participate in special projects related to portfolio management

• Strong understanding of policies, underwriting guidelines, and RACs
• Advanced knowledge of credit underwriting, financial accounting, and loan documentation
• Ability to structure deals and communicate the structure to lenders
• Proficiency in Word, Excel, and Outlook
• Strong interpersonal and social skills to interact with loan officers, staff, and customers
• Time management, mathematical, and analytical skills
• Excellent report writing and presentation abilities
• Minimum 7 years of experience in commercial lending underwriting

• Interpersonal skills
• Time management
• Communication
• Credit underwriting
• Financial analysis
• Loan documentation