Credit Risk Executive Director Credit Decisioning Unit

The Credit Decisioning Unit (CDU) is the first-line credit risk function within the Business Banking Group. The CDU establishes the analytical frameworks underwriting standards portfolio risk assessment methodologies and credit policy infrastructure that govern the Groups lending decisions across its wholesale client base.

We are seeking a Head of Wholesale Credit to lead the CDUs wholesale credit mandate. This is a senior role is designed for a practitioner who can evaluate a complex credit chair a credit policy working group and present portfolio risk findings to senior leadership. The position requires fluency across the full credit lifecycle: from individual credit assessment through to framework design and portfolio management.

The wholesale credit portfolio encompasses small and medium enterprises (SMEs) with standard C&I loans not-for-profit organizations (including private schools social service agencies healthcare entities and community development organizations) and small and local government borrowers. This breadth of obligor type requires an individual with intellectual range capable of applying different analytical lenses to structurally distinct borrower categories without defaulting to a one-size-fits-all underwriting approach.

Job responsibilities

• Provide senior credit judgment on complex non-standard and exception-level wholesale credits across SME C&I not-for-profit and small government obligor segments.

• Design and own the CDUs wholesale credit underwriting frameworks including segment-specific policies for SME C&I not-for-profit and small government borrowers establishing the criteria analytical tools and decision standards that govern credit decisions across the broader underwriting team

• Establish and maintain minimum eligibility thresholds and approval standards determine portfolio concentration limits

• Drive the integration of economic profitability into the credit decisioning framework: ensure that risk appetite pricing adequacy and return on regulatory capital are embedded in how the CDU evaluates and recommends credits not treated as a finance function afterthought

• Own the CDUs approach to related obligor definitions covenant architecture and collateral adequacy standards for the wholesale segment

• Lead retrospective portfolio studies and performance analyses to assess whether origination practices are producing the risk-adjusted outcomes the Bank intends and to identify where underwriting standards require recalibration

• Develop and manage early warning and watchlist frameworks for the wholesale portfolio with a particular focus on obligor types subject to structural revenue risk (not-for-profit government-dependent and campaign-reliant borrowers)

• Represent the CDUs wholesale credit function in senior forums including the Credit Committee CRO leadership team and Business Banking Group executive leadership presenting findings policy recommendations and portfolio risk views with credibility and precision

• Build and sustain productive relationships with second-line Risk partners ensuring that the CDUs first-line credit function constructively engages with second-line reducing friction and enhancing the quality of credit governance

• Partner with Finance Pricing and Capital Management to ensure that credit decisions are evaluated through the lens of economic profitability and risk-adjusted return

• Guide CDU credit analysts is data-driven studies to assess Portfolio posture and health and perform ad hoc analyses

Required qualifications capabilities and skills

• Ten years of progressive experience in commercial wholesale or business banking credit with demonstrated leadership responsibility for credit decisions policy development or portfolio risk management

• Proven ability to underwrite and evaluate complex credits at the individual deal level across multiple obligor types including detailed financial statement analysis cash flow assessment collateral evaluation and covenant structuring

• Direct experience designing or materially contributing to credit frameworks underwriting policies or risk decisioning standards moving beyond individual deal work to define how a credit function evaluates risk systematically

• Demonstrated experience managing or analytically overseeing a balanced wholesale credit portfolio with fluency in portfolio-level risk metrics including concentration analysis default rate analysis loss forecasting and risk appetite translation

• Experience with not-for-profit small government or mission-driven entity lending or a demonstrated ability to apply credit discipline to borrower types with non-commercial revenue structures and balance sheet characteristics

• Strong command of economic profitability concepts risk-adjusted pricing return on regulatory capital SVA vs. NPV trade-offs and the ability to integrate profitability analysis into credit recommendation and portfolio strategy

• Demonstrable track record of engaging constructively with senior management regulators or second-line risk functions presenting credit views with clarity defending positions under scrutiny and influencing decisions through analytical credibility rather than positional authority