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About the Role

As a Director within Corporate Credit Risk, you will be an integral part of the team responsible for the credit assessment and ongoing risk management of CIBC’s US leveraged lending portfolio. You will work closely with senior Credit Risk management and Line of Business partners to evaluate new transactions, conduct credit due diligence, and monitor existing borrowers, ensuring compliance with CIBC’s credit policies and risk appetite.

Responsibilities

Conduct comprehensive credit assessments, evaluating transaction structures and financial performance.
Prepare credit recommendations and assess periodic credit reviews to support ongoing portfolio monitoring.
Conduct comprehensive credit analysis and due diligence on new leveraged lending transactions, including the assessment of financial performance, cash flow projections, capital structures, leverage, liquidity, and debt repayment capacity.
Evaluate proposed credit transactions, including acquisitions, refinancings, amendments, and incremental financing requests.
Assess transaction structures, financial covenants, key credit risks, and mitigating factors.
Assess Annual and Quarterly Credit Reviews prepared by the Portfolio Management team.
Monitor portfolio performance and credit quality, identify emerging risks, and recommend appropriate risk mitigation strategies.
Evaluate financial models, management projections, and borrower performance against budgets and forecasts.
Assess leverage, liquidity, cash flow generation, and debt service capacity under base and downside scenarios.
Prepare clear, well-supported credit assessments and recommendations for senior Credit Risk management, highlighting key risks, mitigating factors, and proposed credit structures.
Apply CIBC’s credit risk rating methodologies and policies to ensure objective and accurate assessments of borrower creditworthiness.
Evaluate proposed risk ratings and recommend adjustments where appropriate.
Develop strong working relationships with Corporate Banking, Capital Markets, Portfolio Management, and other internal stakeholders to facilitate effective credit decision-making while maintaining independent risk judgment.
Demonstrate a strong understanding of leveraged lending regulatory guidance, CIBC’s credit policies, and risk management practices.
Ensure credit assessments and portfolio monitoring activities are consistent with CIBC’s risk appetite and applicable regulatory requirements.

Requirements

8+ years of relevant experience in Corporate Credit Risk, Leveraged Finance, Corporate Banking, or a related credit underwriting function.
Strong financial analysis and credit assessment skills.
Strong understanding of leveraged lending structures, financial statement analysis, cash flow modeling, debt capital structures, financial covenants, and credit risk assessment.
Comfortable evaluating complex financial information, assessing borrower performance, identifying key credit risks, and developing well-supported credit recommendations.
Experience monitoring corporate borrowers, assessing periodic credit reviews, evaluating financial performance, and identifying emerging credit concerns.
Motivated to deepen knowledge of leveraged finance, credit markets, and evolving industry trends.
Demonstrate sound judgment, strong attention to detail, and the ability to independently manage multiple transactions and portfolio responsibilities in a fast-paced environment.
Legally eligible to work at the specified location(s).
May be asked to complete an attribute-based assessment and other skills tests.

Skills

Analytical Thinking
Credit Decisions
Credit Policies
Credit Proposals
Credit Risk Management
Credit Risks
Financial Analysis
Group Problem Solving
Leadership
Long Term Planning
Risk Appetite
Risk Ratings

Location

New York, NY

Work Type

Regular
Full-time

Experience Level

8+ years

Education Level

Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field.
MBA or equivalent advanced qualification is an asset.

Salary/Compensations

$195,000-$230,000

Benefits

Medical
Dental
Vision
Health Savings Account
Life Insurance
Disability
Other Insurance Plans
Paid Time Off (including Sick Leave, Parental Leave, and Vacation)
Holidays
401(k)
Competitive salary
Incentive pay
Banking benefits
Benefits program
Vacation offering
Wellbeing support
MomentMakers recognition program

About the Company

We’re building a relationship-oriented bank for the modern world.
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.
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.
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.

Equal Opportunity

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.