Head, Non-Transactional Credit Risk

What You'll Be Doing

The US Region Head of Non-Transactional Credit Risk provides guidance and direction to ensure credit risk is accurately identified and managed through the US Region.  Work with the US Region Chief Credit Officer, Director of Credit Policy, Adjudication staff, Data Risk Analytics and the Lines of Business to develop and propagate credit risk rating procedures, credit policies, standards, guidelines and processes to mitigate credit risk in the portfolio and maintain satisfactory relations with banking examiners assigned to oversee credit risk.

How You'll Succeed

• Establish and maintain a strong credit culture across the US Region
• Advise the Chief Credit Officer on credit risk matters and reporting, including emerging trends in credit quality and credit portfolio management (past dues, covenants, and similar concerns)
• Provide subject matter expertise regarding the application of credit oriented regulatory requirements and guidance to ensure appropriate compliance
• Oversee external and internal exam processes and communicate results of each exam to senior US Region and Enterprise management
• Provide subject matter expertise and guidance to risk rate credit exposure using both risk rating models and standardized risk rating parameters
• Represent US Region Credit Risk Management concerning audit and regulatory remediations, enhancements to improve credit risk reporting and oversight, and control environment.
• Alternate Chair of the Criticized Asset Management Process and as delegate for other executive committees for CIBC Bank USA and CIBC Inc.
• Effective challenge of credit risk matters as appropriate

Who You Are

• 20+ years in commercial lending and or credit analysis with significant participation in the review, approval, and credit risk monitoring process
• Bachelor’s degree majoring in business or finance required; advanced degree preferred
• Detailed working knowledge commercial bank practices sufficient to apply, adapt and modify practices and processes
• Thorough knowledge of functional and business operations, products, process and regulatory environment within which financial institutions operate
• Solid collaboration and ability to develop and sustain important business relationships both internal and external to the organization
• Sound judgment and problem solving and ability to make key complex decisions independently and with clear thinking and sound logic
• Ability to interact with all levels of staff and management
• Proven understanding of regulatory requirements for commercial banking institutions
• Proven ability to lead others in the execution of organizational risk objectives
• Excellent technical and analytical skills
• Strong verbal and written communication skills
• Strong organizational and presentation skills
• Proficient with MS Office Suite
• Values matter to you. You bring your real self to work and you live our values - trust, teamwork, and accountability. 

California residents — your privacy rights regarding your actual or prospective employment

At CIBC, we offer a competitive total rewards package. This role has an expected salary range of $200,000 - $275,000 for the market based on experience, qualifications, and location of the position. The successful candidate may be eligible to participate in the relevant business unit’s incentive compensation plan, which may also include a discretionary bonus component. CIBC offers a full range of benefits and programs to meet our employee’s needs; including Medical, Dental, Vision, Health Savings Account, Life Insurance, Disability, and Other Insurance Plans, Paid Time Off (including Sick Leave, Parental Leave and Vacation), Holidays and 401(k), in addition to other special perks reserved for our team members.