דרושים Credit Services Consultant ב-Bank Of America ב-Canada, Toronto

Responsibilities

• Providing transaction support for Treasury to reduce risk and timing delays on Cash payments & FX

• Providing settlement support of BA's, Time Deposits and Collateral trades

• Timely Bank breaks & investigations

• Performing functions such as: Bank reconciliations, Setup and authorisation of banks for various business lines, Trade check out, adjustments and settlement resolution

• Analyzing trade processing opportunities for improved STP

• Proactively managing breaks, trading and departmental inquiries, as well as improving overall relationships

• Perform processing of Events, reconciliations, notifications and cash flows

Qualifications

• 3-5 years of relevant experience

• Bachelor degree or substantially equivalent experience

• Brokerage and industry experience beneficial but not necessary

• Canadian Securities Course beneficial but not necessary

• Excel and process automation, Tax and product skills an asset

• Proven organizational and time management skills

• Ability to work in a fast paced, deadline-oriented environment

• Strong interpersonal skills to manage your relationships within custodian, and internal & external clients

• Excellent communication skills, verbal and written

• Demonstrated success working in a team environment

• Ability to work collaboratively on projects and well as independently

• Ability to work flexible hours, end of day is approximately 5:30pm

This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for complex transactions with limited supervision. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance.

Responsibilities:

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities
• Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

Skills:

• Attention to Detail
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Credit Documentation Requirements
• Credit and Risk Assessment
• Financial Forecasting and Modeling
• Recording/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization

High School Diploma / GED / Secondary School or equivalent

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the .

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the .

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Job Description

This position will be responsible for supporting BANA & MLC Treasury specifically Cash settlement, funding, and FX. Close interaction with Trading, Sales, and other Operational support groups will be required.

Responsibilities

• Providing transaction support for Treasury to reduce risk and timing delays on Cash payments & FX

• Providing settlement support of BA's, Time Deposits and Collateral trades

• Timely Bank breaks & investigations

• Performing functions such as: Bank reconciliations, setup and authorization of banks for various business lines, trade check out, adjustments and settlement resolution

• Analyzing trade processing opportunities for improved STP

• Proactively managing breaks, trading and departmental inquiries, as well as improving overall relationships

• Perform processing of Events, reconciliations, notifications and cash flows

Qualifications

• Brokerage and industry experience beneficial but not necessary

• Canadian Securities Course beneficial but not necessary

• Ability to work in a fast paced, deadline-oriented environment

• Strong interpersonal skills to manage your relationships within custodian, and internal & external clients

• Excellent communication skills, verbal and written

• Demonstrated success working in a team environment

• Ability to work collaboratively on projects and well as independently

• Ability to work flexible hours, end of day is approximately 5:30pm

• Excel and process automation, tax and product skills an asset

• Proven organizational and time management skills

Job Description

The Commercial Credit Manager will partner closely with sales and risk management colleagues to deliver responsible loan growth and market relevant client solutions that lead to long term client satisfaction and market share growth. The Commercial Credit Manager is a highly skilled resource, providing expert level advisory guidance in the most complex, integrated debt capital solutions across various industries and company sizes/complexities. The role has external client facing responsibilities, and travel (~25%) would be required. Key areas of accountability include market level loan growth; strong asset quality; ensuring that credit approvals meet Bank policies and procedures; and that work quality is accurate.

Required Skills

• 15+ years of Commercial Banking Experience

• 3+ years’ experience managing a team preferred

• Outstanding communication and influential management skills

• Ability to lead and model change while achieving business performance results

• The ability to mentor, develop and coach will be key attributes

• Bachelor’s Degree required with Advanced Degree preferred

Job Description

The Senior Operations Consultant is responsible for supporting the group operations manager delivering on key processes, priorities, assist with controls, audits, and assessments within Canada Payment Operations. This position will assist with the Certification of accounts, Daily Profit & Loss deliverables, FATCA tax payment and revenue pay back processes. Support ad-hoc requests across the branch with assessments, yearly business continuity plan updates, fraud/client complaint monitoring, dormant/blocked account review and audits. Co-ordination weekend testing and evidence of results to support various technology requests, as applicable. Co-ordinate the yearly Payments Canada Attestation to gather evidence from various lines of business. Other sundry tasks, as required adhering to strict deadlines. Flexibility to working hours required including weekends to met business objectives & priorities. The Senior Operations Consultant will report to the Group Operations Manager.

Responsibilities

• Promote team collaboration and leadership to deliver on key priorities meeting tight deadlines

• Provide support to the Group Operations Manager for Reconciliation, Profit & Loss, FX Settlements, Audits, Assessments, tax/dormant functions, other financial transactional and monitoring tasks

• Co-ordinate all testing requirements as needed across global payment operations for technology updates including scheduled weekends, as applicable

• Deliver under strict deadlines

• Complete administration duties and attestations with adherence to the banks policies, procedures and standards

• Support monthly management routines and metric standard requirements

• Monitor and approve a variety of accounting tasks in support of the Canada General Ledger for Canada Payment Operations and supported Lines of Buiness

• Support all audits, assessments and exams, as applicable

• Other administrative duties, as assigned

• Required to be flexible with work hours including statutory holidays, weekends as required, based on departmental and business requirements

Qualifications

• Minimum 3+ years working experience in a role handling accounting principles and understanding of a general ledger (SAP)

• Solid understanding of electronic and manual payments, an asset

• Excellent critical/strategic thinking and problem resolution skills

• High Proficiency with Microsoft Office applications and computer skills

• Knowledge of the banks Treasury and payment products with proven results

• Understanding of general ledger entries including knowledge of FX (Foreign Exchange) contracts and settlement

• Excellent communication, organizational and problem solving skills including experience with a project/initiative end to end

• Demonstrated ability to work independently with minimal supervision and strong collaboration skills working in a team environment

• Ability to meet established deadlines in a fast paced environment

• Willingness to learn and take on new tasks

• Experience in financial services preferred

Other Qualifications

• Strives to bring new thoughts and ideas to teams in order to drive innovation and unique solutions

• Excels in working among diverse viewpoints to determine the best path forward

• Experience in connecting with a diverse set of clients to understand future business needs – is a continuous learner

• Commitment to challenging the status quo and promoting positive change

• Participate in and drive collaborative efforts to advance tools, technology, and ways of working to better serve an evolving client base