• Job Description

  Req#: R7643

  At CWB, we strive to build value for the people who choose us every day: our people, our clients and our investors. We do this by:

  • Putting people first and building relationships with intention

  • Seeking out and embracing new ideas

  • Believing that how we do things is as important as what we do

  Role Specifications:

  • Multiple Roles

  • Locations: Edmonton, Calgary, Vancouver,

  CWB is a bank built for business owners

  Our core focus is to become the best full-service bank for business owners in Canada. How do we do this? By delivering a proactive client experience through highly personalized service, specialized expertise, and customized solutions. And we do all this with an unrivalled sense of urgency that our clients love about us.

  The Opportunity

  The Specialist, Personal Lending provides loan structuring, credit underwriting, and credit recommendations for CWB’s diverse portfolio of lending products and solutions to support a growing portfolio of CWB Personal banking clients.

  Areas of focus

  Lending Advisement

  • Assist the Personal Relationship Manager in optimizing overall profitability of relationships with clients based on return guidelines, customer risk profile, total banking relationship, and driven environment.

  • Support clients on the end-to-end process of Personal borrowing by screening, interviewing and determining their needs to assist with completion of their loan application

  • Partner with the Relationship Managers to establish pricing, terms of credit, produce ongoing credit reviews and risk ratings that reflect knowledge of CWB policies and procedures

  • Assess and process mortgage renewals as the need arises

  Risk Management

  • Credit recommendations are within full compliance of Canadian regulatory procedures and OSFI protocol specific to Personal Lending.

  • Responsible to ensure the safety of the Bank’s funds through accurate regulatory practices and loan portfolio management with focus on loan quality, exposure limits and security requirements.

  • Identify potential risk that can lead to difficulty in repayment or potential default on the loan

  Sales

  • Support the achievement of Banking Centre’s financial objectives through completion of necessary due diligence, underwriting, and recommendation of new and existing Personal lending solutions.

  • Act as the primary contact to the client during the loan submission.

  • Actively find opportunities for full-service solutions and refer to other business partners both within banking centres and across CWB with the view to be every client’s primary financial partner.

  • Preparation of loan contracts and ensuring they are executed accurately

  Successful incumbent

  Professional Knowledge

  • Bachelor’s degree in business or related field considered an asset

  • OSFI’s Residential Mortgage Underwriting Policy (RMUP)

  • Working understanding of mortgage insurance requirements (CMHC, Genworth)

  • Expert knowledge of collateral security and personal lending documentation requirements.

  • AML/KYC practices

  Professional Experience

  • 3 plus years financial services experience in a client facing role within functions of risk management, banking and/or personal lending, including direct experience in Personal credit writing and loan origination systems.

  Professional Proficiencies

  • Client centric, change ready,

  • Exceptional financial analysis skills

  • Attention to detail, data integrity, & adherence to defined credit & risk structures

  • Strongly established interpersonal, collaboration and negotiation skills.

  • Recognized analytical and problem-solving skills, as well as sound judgement and efficiency management.

  • Outstanding verbal, written, communication, interpersonal, and organizational skills.

  • Ability to maintain a high level of confidentiality.

  • Strong computer and business modeling skills.

  Why work with us?

  Your success is our obsession! And our award-winning culture & benefits back it up.
  
  Proudly recognized by Great Place to Work® in 2023 as one of Canada’s top 50 Best Workplaces & recipient of Waterstone Human Capital’s Most Admired Corporate Culture 2023.

  Wellness matters . We offer an award-winning benefits package that includes:

  • Hybrid work environments

  • Everyday flexibility

  • Generous company-funded health coverage

  • Health care spending account

  • A flexible wellness program

  • generous time-away options to unplug, rest & recover

  Career development. We commit to our employees’ development and help them reach their professional goals with:

  • Organization wide coaching services

  • Mentorship

  • Education support & training programs
    

  #LI-NB1

  IND-AB

  As an equitable employer, CWB Financial Group is committed to providing a safe and inclusive environment where a diverse workforce thrives. You are welcomed and encouraged to bring your whole self to work. Dignity, respect and equality are non-negotiables. If you require accommodation during any part of the recruitment or selection process, please reach out.

  Closing Date:

  * Position closes at 12:01am on the close date identified below.

  04/10/2024

• About the company

  Canadian Western Bank, also operating as CWB Financial Group, is a Canadian bank based in Edmonton, Alberta.

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