Credit Risk Review Analyst

Description:

Reporting directly to the Manager, Real Estate and Annual Reviews. The Credit Risk Review Analyst is part of a team of professionals whose primary purpose is to complete independent, objective Quality Assurance reviews of commercial and personal credit transactions and provide reasonable assurance that all of Manulife Bank's credit risk policies, procedures and regulatory guidelines are being adhered to . The Credit Risk Review Officer will also make recommendations on training needs and modifications to policy documents as appropriate .

Responsibilities

• Responsible for the regular review of a representative sample of loans and assessments of commercial and personal loans, loan adjudication quality through the evaluation of documentation, compliance to company policy, standard, procedures and adherence to all financial industry regulations.

• By review of individual loans using an established review methodology, assist in identifying actual and potential loan problems at the earliest possible time by making recommendations to remediate credit weaknesses.

• Investigate, evaluate and analyze documentation provided by the client to ensure all legal, Anti-Money Laundering and Know-Your-Client legislation requirements have been satisfied and refer suspected fraud applications and mortgages to business partners.

• By review of individual loans and interaction with various lending areas, assist in measuring compliance with established loan policies/procedures and with financial industry regulations.

• Build and maintain relationships and work collaboratively with all lines of business to analyze root causes, patterns or trends in order to assist in the development and implementation of recommended solutions to problems uncovered during the loan review process. In addition the officer to make recommendations on ongoing enhancements to the Quality Assurance program as required.

What motivates you?

• You obsess about customers, listen, engage and act for their benefit.

• You think big, with curiosity to discover ways to use your agile approach and enable business outcomes.

• You thrive in teams and enjoy getting things done together.

• You take ownership and build solutions, focusing on what matters.

• You do what is right, work with integrity and speak up.

• You share your humanity, helping us build a diverse and inclusive work environment for everyone.