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canada Credit Risk Review Analyst

  • Location
    (CANADA) and various
  • Job Reference
    16987
  • Functional Area/Experience
    Business, Accounting & Finance / 2 Years

Job Description & Qualifications

Are you looking for a supportive, collaborative workplace with great teams and inspiring leaders? You’ve come to the right place. We’re looking for ambitious people who share our values and want to make every day better for people around the world. If this sounds like you, and the career below sounds exciting, we’d like to hear from you.

Working Arrangement

Hybrid

Waterloo, Ontario

Halifax, Nova Scotia

Job 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.

What we are looking for

  • 2 - 5 years of experience in underwriting/loan review/credit review of Retail and/or Commercial banking products.
  • Experience using MS Office (MS Word and Excel).

What can we offer you?

  • A competitive salary and benefits packages.
  • A growth trajectory that extends upward and outward, encouraging you to follow your passions and learn new skills.
  • A focus on growing your career path with us.
  • Flexible work policies and strong work-life balance.
  • Professional development and leadership opportunities.

Our commitment to you

Values-first culture
We lead with our Values every day and bring them to life together.

Boundless opportunity
We create opportunities to learn and grow at every stage of your career.

Continuous innovation
We invite you to help redefine the future of financial services.

Delivering the promise of Diversity, Equity and Inclusion
We foster an inclusive workplace where everyone thrives.

Championing Corporate Citizenship

Every career at Manulife/John Hancock provides the opportunity to learn new skills and move your career forward. Ready to make an impact somewhere? What are you waiting for? Apply today.

About John Hancock and Manulife

John Hancock is a unit of Manulife Financial Corporation, a leading international financial services group that helps people make their decisions easier and lives better. We operate primarily as John Hancock in the United States, and Manulife globally, including Canada, Asia and Europe. We provide financial advice, insurance and wealth and asset management solutions for individuals, groups and institutions. Assets under management and administration by Manulife and its subsidiaries were CAD$1.3 trillion (US$1.1 trillion) as of June 30, 2021. Manulife Financial Corporation trades as MFC on the TSX, NYSE, and PSE, and under 945 on the SEHK. Manulife can be found at manulife.com.

One of the largest life insurers in the United States, John Hancock supports more than 10 million Americans with a broad range of financial products, including life insurance, annuities, investments, 401(k) plans, and education savings plans. Additional information about John Hancock may be found at johnhancock.com.

Manulife is an Equal Opportunity Employer

At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law. 

It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact recruitment@manulife.com.



Job Skills/Competencies Required

  • Firm grasp of lending credit principles and financial industry regulatory environment in relation to credit products.
  • Strong communication skills, including the ability to convey complex ideas clearly and concisely.
  • Excellent ability to work in a team environment.
  • Proven ability to organize, prioritize and manage multiple assignments in a fast-paced environment to meet deadlines with efficiency and accuracy
  • Exceptional interpersonal skills, with the confidence, credibility, and ability to work effectively within the organization
  • Highest level of professionalism, self-motivation and sense of urgency with the ability to work successfully with minimal direct supervision.
  • Bilingual (English/French) is an asset for this role.
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