Credit Risk Analyst - Bilingual - CIBC, Montreal

About this opportunity

CIBC is building a relationship-oriented bank for the modern world, seeking talented, passionate professionals dedicated to doing what’s right for their clients. At CIBC, your strengths and ambitions are embraced, empowering you to make a meaningful impact and be valued for your contributions.

This opportunity for a Bilingual Credit Risk Analyst in Montreal involves performing a range of complex credit management functions for various credit accounts. You will need to apply your experience and knowledge of basic accounting principles, exercising considerable judgment and discretion in your daily work. This role is crucial for the fulfillment, servicing, and management of the authorized credit process, ensuring all loan documentation is accurately maintained. CIBC supports a flexible work environment, allowing you to perform most work activities remotely, with only occasional on-site presence required.

Requirements

To succeed as a Credit Risk Analyst at CIBC, you will need a strong foundation in credit knowledge and analysis, coupled with a collaborative approach and a commitment to compliance.

• Credit Knowledge & Analysis: Possess knowledge and experience in Credit Analysis and Credit Risk. Expertise in loan/security documentation, compliance, audit, and control requirements is essential. Familiarity with internal CIBC systems and applications (e.g., COINS/COLT, LAS, Content Manager, ICAP/e-diary) is an asset.
• Collaboration: Maintain open lines of communication with assigned Credit Specialists. Regular contact with internal CIBC employees, teams, and management is required to provide and receive information and escalate issues. You will also interact with external Solicitors and the Canadian Securities Registration System (CSRS) to clarify loan-related information.
• Compliance: Ensure compliance with all CIBC regulatory training and consistently apply these programs and policies across the business. Personal responsibility for adherence to all regulatory and governance programs is expected.

Beyond specific technical skills, CIBC is looking for individuals who embody certain attributes. You should be someone who gives meaning to data, enjoys investigating complex problems, and communicates detailed information effectively.

• You know that details matter and notice things others don't. Your critical thinking skills help to inform your decision making.
• You're motivated by collective success, understanding that teamwork transforms ideas and an inclusive team brings visions to life.
• You love to learn, are passionate about growing your knowledge, and have a strong sense of curiosity.
• Values matter to you; you bring your real self to work and live CIBC's values of trust, teamwork, and accountability.
• You are fluent in French and English to effectively serve our clients in the community.

The role also requires proficiency in specific skills.

• Communication
• Credit Processes
• Individual Development Planning
• Investigating
• Loan
• Microsoft Excel

Responsibilities

As a Bilingual Credit Risk Analyst, your core responsibilities will revolve around the diligent management and oversight of credit accounts and processes for CIBC.

• Perform a range of complex credit management functions for various credit accounts.
• Apply experience and knowledge of basic accounting principles in daily tasks.
• Exercise considerable judgment and discretion when determining appropriate courses of action for credit-related matters.
• Be responsible for the fulfillment, servicing, and management of the authorized credit process.
• Ensure loan documentation is completely and accurately maintained in accordance with credit facilities.
• Maintain open lines of communication with assigned Credit Specialists.
• Engage in regular contact with internal CIBC employees, teams, and departments (e.g., Risk Management, Credit Specialists) at peer and management levels to provide and receive information and escalate issues as required.
• Regularly contact external Solicitors and the Canadian Securities Registration System (CSRS) to obtain and clarify information related to loans.
• Ensure compliance with all CIBC regulatory training and apply these programs and policies consistently across the business.
• Take personal responsibility for compliance with all regulatory and governance programs.

About the company

At CIBC, your goals are a priority. They focus on your strengths and ambitions as an employee, striving to create opportunities to tap into your potential and offer a career, not just a paycheck. CIBC works to recognize employees in meaningful, personalized ways.

• Competitive salary
• Incentive pay
• Banking benefits
• Comprehensive benefits program
• Defined benefit pension plan
• Employee share purchase plan
• Vacation offering
• Wellbeing support
• MomentMakers, a social, points-based recognition program

CIBC cultivates a culture where you can express your ambition through initiatives like Purpose Day, a paid day off dedicated to your growth and development. They are committed to creating an inclusive environment where all team members and clients feel like they belong, seeking applicants with a wide range of abilities and providing an accessible candidate experience.