Associate, Corporate Finance; Asset- Lending

Position: Associate, Corporate Finance (Asset-Based Lending)
* ** Client First
- ** You will attend discussions with client management (executive, financial and operational) in order to assess client’s financing needs. Perform comprehensive financial/non-financial analysis and risk assessment of credit proposals. Assist in preparation of financing proposals (structuring terms and conditions including security, covenants and pricing) to properly reflect and compensate CIBC for assessed risk. Prepare draft recommendations on credit submissions and investment proposals to present to senior management.

Assist with comprehensive due diligence on all transactions. Prepare credit memoranda and other credit correspondence in a well thought out, thorough and efficient manner and in accordance with policies and procedures.
* ** Relationship Building** – Develop good relations with internal customers, external customers and general industry contacts to generate new referrals and business opportunities and to maintain a window on the market.
* ** Collaboration
- ** Partner with your team to connect clients with opportunities. Monitor and supervise a portfolio of senior debt accounts. Manage relationships with borrowers and Relationship Managers. Monitor account performance and industry trends. Maintain a proactive approach to continuous risk assessment and report observations. Assist in negotiation of terms and conditions of proposals.  Present recommendations on transactions to senior management, credit and risk adjudication in a thorough, clear and concise manner.

Appropriately address borrowers’ requests in a timely manner and ensure that any related credit applications are completed accurately and in a timely manner;
* ** Business acumen
- ** Actively be involved with execution of an appropriate sell-down strategy for syndicated transactions. Duties performed on syndicated transactions include preparing information memorandums and other pertinent market information, approaching and negotiating with potential participants, assisting with legal documentation and closing.
** You can demonstrate experience in
** commercial or corporate credit (2+ years), preferably in a transaction execution role. Previous experience in an asset-based lending role would be a definite asset. Proven financial analysis and credit skills with the ability to identify key transactions risks and potential mitigation. Well-developed financial modeling skills. Good understanding of the Asset-Based Lending product, marketplace and loan structuring. You have a good understanding of corporate finance and ability to evaluate and understand complex capital structures.
* We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program , defined benefit pension plan , an employee share purchase plan, a vacation offering, 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.
* 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.
* CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact Mailb
* CIBC is committed to clarity in our hiring process. All roles posted are opportunities we’re actively recruiting for, unless stated otherwise.
* You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.
* We may ask you to complete an attribute-based assessment and other skills test (such as simulation, coding, French proficiency).At CIBC, we are in business to help our clients, employees and shareholders achieve what is important to them. Our ability to create value for all CIBC stakeholders is driven by a business culture based on common values:
Trust, Teamwork and Accountability.
Working with CIBC makes you a part of a work environment committed to our clients, employees and communities - a place where you can excel.
Every day, our 44,000 employees help our clients achieve their financial goals, because what matters to our clients, matters to us.
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