Credit Risk Officer [T500-25352]

About the job: About CIBC India: CIBC India is a technology and operations hub in Hyderabad, where youll be part of our highly engaged and global team, and play a central role in supporting our growth. Whether youre driving innovation in digital banking or streamlining client onboarding, youll be part of a culture recognized for excellence and investment in people. At CIBC India, people and progress are at the center of what we do: youll develop skills, collaborate with industry leaders, and see your ideas realized in a culture that values progress and belonging. We provide cutting-edge resources, ongoing learning, and a supportive environment where people come first. If youre ready to create meaningful change and build your future, CIBC India is where your ambition meets opportunity. What Youll Be Doing (Position Summary): The Credit Risk Officer is responsible for coordinating and processing a range of margin and covenant calculations, as well as security and loan processing activities for Small Business and Diversified Independent Business Clients The role ensures the accuracy and completeness of loan documentation, compliance with credit facilities, and delivery of high-quality service to internal business partners. At CIBC India we enable the work environment most optimal for you to thrive in your role Details on your work arrangement (including on-site and remote work) will be discussed at the time of your interview. How Youll Succeed (Responsibilities): Perform medium to complex margin and covenant calculations and analysis, applying knowledge of financial statements and lending margins. Identify errors, determine corrective actions, and resolve discrepancies, escalating issues as needed. Conduct thorough risk assessments of loan accounts, verifying compliance with internal controls and procedures. Ensure all documentation is maintained accurately and in accordance with credit facilities. Collaborate with internal teams to ensure quality standards, timelines, and service levels are met. Maintain compliance with all CIBC regulatory training, policies, and governance programs. CROSS-FUNCTIONAL RELATIONSHIPS: Work closely with leaders of supported Strategic Business Units (SBUs) and Lines of Business (LOBs). COMPLIANCE REQUIREMENTS/RESPONSIBILITIES: As an employee of CIBC, the incumbent must comply with all applicable CIBC and Line of Business policies, standards, guidelines and controls. AUTHORITIES/DECISION RIGHTS: As a key contributor to the business unit, this job has the authority to recommend changes to business processes to enhance operational efficiency and effectiveness. JOB DIMENSIONS: Coordinates and processes a significant volume of margin and covenant calculations, loan documentation, and security processing activities, ensuring accuracy, compliance, and timely delivery within established service level agreements. Collaborate with internal teams to resolve discrepancies, maintain quality standards, and support continuous improvement initiatives, directly contributing to risk management and operational efficiency for Small Business and Diversified Independent Business clients. Experience: 2+ years of experience. Who You Are (Skills/Qualifications): Must Have Skills: Bachelor's degree in business, Finance, or a related field preferred; equivalent work experience may be considered.2+ years of experience in credit risk, loan processing, or banking operations. Experience with credit processing systems and financial analysis (preferred). Proficiency in English (written and verbal). Strong understanding of financial statement analysis and lending margins. Proficiency in credit processing systems and loan documentation procedures. Excellent analytical and problem-solving skills. High attention to detail and accuracy. Effective communication and collaboration skills. Ability to manage multiple priorities in a fast-paced, deadline-driven environment. Commitment to compliance and risk management best practices. Proficiency in Microsoft Office Suite and relevant operational systems. What CIBC India Offers: At CIBC India, your goals are a priority. We start with your strengths and ambitions and strive to create opportunities to tap into your potential. We aspire to give you a career that goes well beyond your compensation. We work to recognize you in meaningful, personalized ways including competitive fixed pay, performance-based incentive programs, a family-first benefits program, employer contributions for your retirement, attractive time off and leave offerings, wellbeing support, and Moment Makers, our social, points-based recognition program. Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients worldwide. We cultivate a culture where you can express your ambition through initiatives like Purpose Day, a paid day off dedicated for you to use to invest in your growth and development. Privacy: By proceeding with the creation of a profile and submitting an application in response to this job posting, you acknowledge and agree that your personal data will be collected, used, retained and disclosed by CIBC India and its affiliates, as described in the Candidate Privacy Statement. Who can apply: Only those candidates can apply who: have minimum 2 years of experience Salary: Competitive salary Experience: 2 year(s) Deadline: 2035-01-01 00:00:00