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About the Role
The Credit Lead oversees credit portfolio management within a specific region or industry, handling transactions, serving as an escalation point, and ensuring the quality of credit work. This role involves credit adjudication, managing a team's workflow, and coaching colleagues. The Credit Lead reports to the Credit Manager and collaborates closely with them.
Responsibilities
- Leads and manages a team of Credit Solutions colleagues, providing functional guidance, risk management coaching, and performance management.
- Oversees credit analysis, underwriting, and portfolio management within the assigned industry/region/or credit line, ensuring alignment with organizational goals and risk management practices.
- Monitors and analyzes portfolio performance.
- Ensures effective risk management practices are in place, maintaining high standards of credit quality and origination in alignment with Bank’s credit risk appetite, and compliance with institutional and regulatory requirements.
- Drives business growth through strategic planning, market analysis, and identifying new opportunities.
- Works closely with cross-functional teams to ensure cohesive and effective credit operations to achieve the Bank’s strategic initiatives.
- Participate in and run ad-hoc projects to support the organization’s priorities.
- Stays informed about industry trends, regulatory changes, and competitor activities to proactively address potential impacts on the region/industry and credit operations.
- Engages in formal and informal talent management activities to train, develop, manage, and coach team members, fostering a culture of continuous improvement and professional growth.
Requirements
- Bachelor's Degree or equivalent in Finance, Business, or related field
- Minimum 8 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries
- Minimum 3 years of leadership and coaching experience in underwriting or credit management, even if informal
- Advanced experience in credit management and lending operations, with a strong understanding of risk management principles
- Proven leadership and coaching skills, with the ability to train and develop talent
- Excellent communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
- Strong analytical skills, with the ability to interpret complex data and make informed decisions
- Industry-specific knowledge and expertise
Skills
- Credit underwriting
- Portfolio management
- Risk management
- Leadership
- Coaching
- Communication
- Collaboration
- Analytical skills
- Industry-specific knowledge
Location
- City National location
Work Type
- Full-time
Experience Level
- Minimum 8 years of progressively increasing credit underwriting and portfolio management experience
- Minimum 3 years of leadership and coaching experience
Education Level
- Bachelor's Degree or equivalent in Finance, Business, or related field
Salary/Compensations
- $141,830 - $263,408 per year
Benefits
- Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
- Generous 401(k) company matching contribution
- Career Development through Tuition Reimbursement and other internal upskilling and training resources
- Valued Time Away benefits including vacation, sick and volunteer time
- Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
- Career Mobility support from a dedicated recruitment team
- Colleague Resource Groups to support networking and community engagement
About the Company
- City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today.
- City National is a subsidiary of Royal Bank of Canada, one of North America’s leading diversified financial services companies.
Equal Opportunity
- City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer.
- We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
- It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.