Director, Commercial & Residential Real Estate Financing Credit Granting chez Desjardins

As the Director, Real Estate Financing Credit Granting Ontario regions for Desjardins Commercial & Residential Real Estate Financing Group, your role involves analyzing, evaluating, authorizing, and making recommendations for real estate financing requests, including short-term financing ("construction bridge") and long-term financing for residential or commercial income properties, land development projects as well as senior living facilities. You will operate within the delegation limits granted, ensuring a healthy and prudent risk management approach. This position reports directly to the Managing Director, Credit Granting OAW. The Director plays a key role in overseeing the credit adjudication of medium size Real Estate Financing transactions within the Bank’s Commercial Financial Services Market. Operating within their delegated lending authority, the Director ensures that adjudication responsibilities are met with a focus on maintaining the risk profile, aligning with business objectives, optimizing operational effectiveness, and enhancing the overall client experience. As a member of the team, you will provide coaching and mentorship to teammates, share best practices, and act as the primary contact for any credit escalations. You will serve as an advisor to the front line and work closely with them. This role balances the achievement of business objectives with the risk of loss to clients and shareholders. It ensures adherence to corporate policies to maintain risk exposure within the Bank’s stated risk appetite and operates within a legal framework and other regulatory requirements. You will suggest improvements in risk management and contribute to the implementation and compliance with current credit policies. Your knowledge of the business area and interpersonal savvy are essential. This role requires a strong understanding of financial analysis, market trends, and risk assessment to make sound credit decisions while ensuring compliance with internal policies and regulatory standards. More specifically, you will be required to:

• Maintain a balance between Desjardins' risk appetite, client needs, and business line requirements. Prepare and present recommendations for major files to the Desjardins Group Credit Committee

• Analyze, evaluate, authorize, and make recommendations for real estate financing requests, including short-term financing ("construction bridge") and long-term financing for residential or commercial income properties, land development projects as well as senior living facilities, while ensuring a healthy and prudent risk management approach. Hold a personal approval limit of up to $20 million and act as the recommender and the second signatory

• Proactively identify potential risks associated with new or existing credit applications. Take immediate steps to mitigate financial risk while supporting Desjardins Business Centers

• Ensure all credit decisions align with internal credit policies and industry standards. Recommend adjustments to policies based on frontline feedback and evolving market conditions

• Develop and maintain strong relationships with key customers to ensure smooth communication regarding credit terms and decisions

• Assist in resolving any credit-related disputes or concerns, collaborating with internal teams and clients to reach timely, effective solutions

• Serve as a resource for professionals in the division and network, particularly for negotiating files with higher risk, greater complexity, or special problems

• Provide added value to internal client groups in terms of market information, risk appetite for certain types of transactions, and analysis quality

What we offer* 

• Competitive salary and annual bonus

• 4 weeks of flexible vacation starting in the first year

• Defined benefit pension plan that provides predictable, stable income throughout retirement

• Group insurance including telemedicine

• Reimbursement of health and wellness expenses  and telework equipment

* Benefits apply based on eligibility criteria.

What you bring to the table

• Bachelor’s degree in business administration, finance, accounting or a related field

• A minimum of nine years of relevant experience  

• Please note that other combinations of qualifications and relevant experience may be considered

• Advanced knowledge of current financial and economic events

• Advanced knowledge of the characteristics and credit risk inherent to the real estate market

• Advanced Knowledge in financing rental properties (residential or commercial), senior living facilities, construction companies, major real estate development projects, or subdivision projects and real estate credit management standards and practices

• Advanced knowledge of the Credit risk rating tool or other tools used in the banking sector to determine real estate risk ratings

• Advanced proficiency of English due to the nature of the duties or work tools or because the position involves interactions with English-speaking partners, members and/or clients

Collaborates, Communicates effectively, Customer Focus, Financial acumen, Interpersonal Savvy, Plans and aligns, Resourcefulness, Situational adaptability

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Trade Union (If applicable)

At Desjardins, we believe in equity, diversity and inclusion. We're committed to welcoming, respecting and valuing people for who they are as individuals, learning from their differences, embracing their uniqueness, and providing a positive workplace for all. At Desjardins, we have zero tolerance for discrimination of any kind. We believe our teams should reflect the diversity of the members, clients and communities we serve.

If there's something we can do to help make the recruitment process or the job you're applying for more accessible, let us know. We can provide accommodations at any stage in the recruitment process. Just ask!

Job Family

Risk management (FG)

Unposting Date

2025-10-18 Postuler maintenant