We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients.
At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.
To learn more about CIBC, please visit CIBC.com
What you'll be doing
The Retail Account Acquisition team is responsible for developing new account risk strategies to balance growth of the business within acceptable levels of credit risk. By analyzing application information, Bank data for existing clients, credit bureaus, and account performance data, the team implements changes to the application processing systems and makes credit adjudication decisions when the system cannot incorporate all the relevant factors.
As the Senior Manager, Real Estate Secured Lending Policy and Regulatory Initiatives, you will oversee a team of Analysts responsible for monitoring the RESL portfolio and managing RESL policies, including enhancements and the rollout of policy changes. Your role will include leading regulatory initiatives to ensure their effective implementation and ongoing compliance with regulatory requirements. Additionally, you will be accountable for developing and maintaining policy and regulatory documentation to facilitate clear and precise communication. You will also establish and supervise business processes, risk controls, and key performance metrics to ensure operational success.
At CIBC we enable the work environment most optimal for you to thrive in your role. You’ll have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 1-3 days per week on-site, while other days will be remote.
How you'll succeed
Effective Communication – Convey complex information clearly, both verbally and in writing, to interpret, analyze, and articulate conclusions. Provide credit risk management expertise and guidance to business partners, especially when developing operational processes that minimize future credit risk issues and lower the bank’s risk profile.
Project Management – Manage multiple and competing priorities, ensuring timely delivery of projects. Set priorities, oversee multiple teams, and communicate timelines, dependencies, milestones, and project impacts to stakeholders, partners, and senior leadership.
Leadership & Collaboration – Lead, coach, and develop high-performing teams in a collaborative environment. Empower others to achieve their best and influence stakeholders by articulating complex ideas and recommendations to drive change.
Business Analysis – Identify and analyze problems, recommend and develop effective solutions, and support reporting and analysis using statistical knowledge. Develop risk segmentation strategies for acquisition and automated decision systems, review monthly portfolio reports, determine key risk trends, and provide commentary to the Senior Director, Real Estate Secured Lending.
Agility & Adaptability – Prioritize ongoing deliverables alongside ad-hoc, audit, and urgent executive requests, working effectively under tight deadlines. Contribute to team training to enhance technical, business, and risk knowledge within Real Estate Secured Lending.
Who you are
You have real estate lending expertise. You bring experience and working knowledge of real estate lending policies and practices, both internally and across the industry.
You understand regulatory requirements. You have expertise in the Bank Act, OSFI B-20, insurer, and other regulatory requirements related to Real Estate Secured Lending, and can apply this knowledge effectively.
You are forward-thinking. You make decisions and take actions that have a positive impact today and in the future, proactively seeking new opportunities to define what’s possible.
You are passionate about learning. You continuously grow your knowledge and believe there is no limit to what you can achieve.
Values matter to you. You bring integrity, respect, and a commitment to putting clients first in everything you do.
#L1-TA
What CIBC Offers
At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.
We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, defined benefit pension plan*, an employee share purchase plan, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.
Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.
We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.
*Subject to plan and program terms and conditions
What you need to know
CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact Mailbox.careers-carrieres@cibc.com
CIBC is committed to clarity in our hiring process. All roles posted are opportunities we’re actively recruiting for, unless stated otherwise.
You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.
We may ask you to complete an attribute-based assessment and other skills test (such as simulation, coding, French proficiency).
We use artificial intelligence tools during the recruitment process. Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.
Job Location
Toronto-81 Bay, 31st FloorEmployment Type
RegularWeekly Hours
37.5Skills
Analytical Thinking, Business Requirements, Communication, Data Integration, Data Quality, Delivery Management, Prioritization, Quality Improvement, Risk Analytics, Risk Management Strategies