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About the Role

The Senior Credit Risk Manager is the senior technical resource within the Credit Risk team, responsible for leading the independent assessment of Infrastructure Ontario's most complex commercial lending and infrastructure financing transactions. The role provides expert credit risk analysis, adjudication, portfolio oversight, and strategic advice to support sound lending decisions and effective risk management.

Responsibilities

Lead the independent assessment of complex commercial lending, project finance, and infrastructure financing transactions, including new originations, amendments, restructurings, waivers, refinancing transactions, and annual reviews.
Evaluate borrower financial performance, business plans, cash flow projections, project risks, security structures, covenant compliance, and repayment capacity.
Prepare comprehensive credit memorandums and risk recommendations to support lending decisions and governance approvals.
Present credit analysis and recommendations to senior leadership and governance committees.
Manage assigned Watch List and higher-risk borrower relationships through ongoing monitoring, risk assessment, and proactive mitigation strategies.
Analyze portfolio trends, sector performance, borrower concentrations, and emerging risks to support portfolio management and strategic decision-making.
Conduct research and analysis on economic, regulatory, industry, and market developments impacting Infrastructure Ontario's lending portfolio.
Serve as a senior technical resource to the Credit Risk team by providing guidance, mentorship, and knowledge sharing on credit adjudication, financial analysis, and risk management practices.
Support the enhancement of credit risk policies, methodologies, analytical tools, portfolio monitoring practices, and governance processes.

Requirements

University degree in Finance, Business Administration, Accounting, Economics, or a related discipline, or an equivalent combination of education and experience.
Significant experience in commercial lending, credit adjudication, credit risk management, corporate banking, project finance, infrastructure financing, or a related financial services environment.
Extensive experience analyzing complex financial statements, cash flow projections, financing structures, business plans, and credit-related information.
Strong expertise in commercial lending, credit risk assessment, covenant design, security structures, loan structuring, and portfolio monitoring.
Experience preparing and presenting credit recommendations for senior approval authorities, governance committees, and executive stakeholders.
Demonstrated experience managing complex borrower relationships, higher-risk exposures, and Watch List credits.
Strong financial modelling, analytical, problem-solving, and risk assessment capabilities.
Ability to exercise sound judgment and provide well-supported recommendations on complex credit matters.
Experience mentoring colleagues and serving as a senior technical resource within a credit risk or lending environment.
Experience in infrastructure financing, municipalities, healthcare, affordable housing, commercial real estate, energy, long-term care, or other project-based financing sectors is considered an asset.

Skills

Credit Risk Management
Commercial Lending
Project Finance
Infrastructure Financing
Financial Analysis
Portfolio Oversight
Risk Assessment
Financial Modelling
Problem-Solving
Mentorship

Location

1 Dundas St West

Work Type

Full-time

Experience Level

Senior

Education Level

University degree in Finance, Business Administration, Accounting, Economics, or a related discipline, or an equivalent combination of education and experience.

Salary/Compensations

$118,500 to $135,200

Benefits

Defined contribution pension plan with employer contributions
Group Retirement Savings Plan
Group Tax Free Savings Account
Comprehensive health, dental, vision, out-of-country care, and paramedical services coverage
Pregnancy and parental leave top-up program
$1000 Healthcare Spending Account
Lifestyle Account for health and wellness options
Support for professional development opportunities, including training and leadership development
Coverage for up to two membership and license fees per year
Access to virtual healthcare options

About the Company

Infrastructure Ontario (IO) is an Ontario crown corporation that provides services to modernize and maximize the value of public infrastructure and realty.
IO has been recognized domestically and internationally for its success in major projects, real estate services, infrastructure lending, commercial projects, and development.
IO delivers complex commercial and land development solutions for the Province and aims to create a connected, modern, and competitive Ontario.

Equal Opportunity

Commitment to creating a diverse, equitable and inclusive culture that promotes a sense of belonging and represents and reflects the needs of the communities we serve.
Encourages applications from all walks of life and acknowledges that experience comes in many forms.
Encourages applications from Indigenous, Black, racialized and 2SLGBTQ+ communities, persons with disabilities, and other equity deserving groups.
Provides accommodations for the selection process upon request.
Uses AI in the applicant tracking system for efficiency and fairness, with final hiring decisions made by the hiring team.