Credit Risk Specialist


IO’s Finance, Technology, and Lending Enterprise Team ensures that IO is a financially efficient and effectively managed organization and that the agency’s finances are monitored, reported, and managed appropriately. The team also manages the infrastructure lending program, which has supported more than $18 billion in local infrastructure development, and IO’s Information Technology and Business Services, providing tools and systems to ensure secure, effective, and efficient operations.

What You Will Do

•Review loan applications for new loans and amendments to existing loans, fulfilling the role of a second line of defense against credit risk behind underwriter analysis and due diligence.
•Record borrower loan covenant compliance pursuant to underwriter completion of annual reviews.
•Direct file management of Watch List or higher risk loans, as assigned.  
•Contribute ongoing to the expansion and refinement of credit policy and guidelines, and general department procedures.

Who We’re Looking For

•A minimum of 3-5 years of commercial lending transaction experience in a client-facing role, ideally including commercial real estate and/or infrastructure project financing.
•University degree in Finance, Business, Accounting, Economics or equivalent.
•Knowledge and experience with commercial lending practices of municipalities, the energy sector, assisted living, long term care or social housing sectors is an asset.
•A good understanding of key financial and risk management theories, principals, and practices.
•Demonstrated business acumen with experience working with clients and stakeholders.
•Strong acuity for business models and business risk assessment, and an ability to conduct financial statement and ratio analysis.
•Excellent analytical and research skills to organize and draw conclusions from complex, ambiguous and often fragmented information.
•The ability to present complex concepts in a clear, cogent and intelligible manner, both by way of written reports and verbal presentations.
•Ability to manage engagements with underwriting colleagues and external parties in a cordial, tactical and productive manner.
•Proficient in the Microsoft Office suite of products.

We are looking for individuals with the ability to set individual objectives, work independently and collaborate with others, an adaptive, collaborative and confident style and ability to work effectively in a team-based environment. The ideal candidate will be self-motivated with an ability to learn quickly, work with limited supervision and occasionally under pressure, tight timelines and demonstrates appropriate use of judgment and good organizational skills.

Infrastructure Ontario is an inclusive employer, we encourage applications from all qualified candidates. We will accommodate your needs under the Ontario Human Rights Code. We thank all applicants in advance for their interest; however, only those candidates selected for an interview will be contacted.

By submitting your application you are granting Infrastructure Ontario permission to process your personal data during the recruitment process and for keeping records of the process. Infrastructure Ontario may share your personal data internally to appropriate persons involved in the recruitment process and to third parties where there is an administrative or lawful basis for doing so. Provided that Infrastructure Ontario does not have any lawful reason to continue processing your personal data, you may make a formal request to rectify, erase or restrict (the processing of) your personal data.