Bilingual Credit Risk Analyst

Community Trust Company; Canada; On-site; CAD 80,000 - 90,000; Full time

Job summary

Questrade Financial Group, through its Community Trust Company, seeks a bilingual Credit Risk Analyst in Canada. You will execute QC reviews on residential mortgages, ensure adherence to OSFI guidelines and KYC/AML/ATF regulations, and report monthly to senior management.

This hybrid role requires English and French fluency and 5+ years in Alt-A mortgage underwriting. Base salary range is 80,000 to 90,000 CAD, with a comprehensive benefits plan and incentive program.

Qualifications

• Bilingual English/French (written and verbal).
• 5+ years in Alt-A mortgage underwriting.
• Minimum 3+ years of direct Quality Control experience.
• Experience with Guideline B-20 and income documentation.
• Strong knowledge of KYC, AML, and ATF regulations.
• Proficiency in report preparation using G Suite and Microsoft Office.
• Advanced analytical and data analysis skills.
• Excellent interpersonal and communication skills.

Responsibilities

• Executing post-funding QC reviews on residential loans following established procedures.
• Conducting specialized reviews on Early Payment Defaults and investigating questionable lending decisions.
• Delivering monthly written QC results and reporting to Business Units and Senior Management.
• Utilizing a risk-based approach to select portfolio-level loan data for review.
• Monitoring and tracking policy exceptions and ensuring file remediations are completed.
• Proactively identifying emerging risk indicators and proposing improvements to QC procedures.
• Developing understanding of Questbank's lending policies and regulatory requirements.
• Updating and maintaining the Credit Risk Quality Control Procedure Manual.
• Ensuring adherence to AML/ATF and KYC regulatory requirements.

Skills

Bilingual EN/FR

Alt-A mortgage underwriting

Quality Control

KYC/AML knowledge

Microsoft Office

G Suite

Analytical skills

Interpersonal skills

Job description

North American Centre, 5700 Yonge St, North York, ON M2N 5M9, Canada

Job Description

Posted Wednesday, July 29, 2026 at 4:00 AM

Questrade Financial Group (QFG), through its companies - Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti, provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. We use cutting-edge technology to help Canadians become much more financially successful and secure.

At QFG, we combine human-centric collaboration with AI-driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shaping a future where AI empowers our teams to do their best work.

Join our diverse, inclusive, and hybrid workplace to unleash your creativity and nurture your curiosity without limits. If you share this sense of infinite possibility, come shape your future at QFG.

English version to follow.

What’s in it for you as an employee of QFG?

• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days for work-life balance
• Competitive compensation and benefits packages
• Work-life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment

This job posting is for an existing vacancy.

We’re looking for our next Bilingual Credit Risk Analyst. Could It Be You?

The Credit Risk Analyst (CRA) reports to the Manager, and is responsible for executing all aspects of the Quality Control (QC) program for residential mortgages. A key function is to ensure that all loans are underwritten according to the Company's Credit Risk appetite, as defined by established policies, procedures, and best business practices. The CRA will also conduct reviews of defaulted loans to identify questionable lending decisions and propose recommendations. A successful candidate must possess expert-level data analytical skills to proactively identify emerging key risk indicators in funded loans, alongside a comprehensive understanding of OSFI Guideline B-20. The role requires developing and maintaining a collaborative relationship with the Residential Lending department, offering support and guidance while upholding the independence required to provide accurate reporting on the quality of advanced loans.

In this role, responsibilities include but are not limited to:

• Executing post-funding QC reviews on residential loans following established procedures.
• Conducting specialized reviews on Early Payment Defaults and investigating questionable lending decisions.
• Delivering monthly written QC results and reporting to Business Units and Senior Management.
• Utilizing a risk-based approach to select portfolio-level loan data for review.
• Monitoring and tracking all policy exceptions and ensuring required file remediations are completed.
• Proactively detecting emerging risk indicators and proposing improvements to procedure manuals and Quality Control (QC) protocols, ensuring agility in response to a dynamic regulatory landscape.
• Developing a comprehensive understanding of Questbank's lending policies and regulatory requirements.
• Recommending revisions to Quality Control protocols and credit procedures, ensuring alignment with industry best practices.
• Updating and maintaining the Credit Risk Quality Control Procedure Manual.
• Ensuring all files adhere strictly to AML/ATF and "Know Your Client" (KYC) regulatory requirements.
• Proactively identifying potential violations of internal policies or operational risk controls.
• Ensuring adherence to the bank's policies and procedures regarding compliance and operational risk controls.
• Providing ongoing guidance to business units to ensure adherence to written procedures and policies.
• Assisting in developing training tools and resources for residential underwriting teams.

So are YOU our next Bilingual Credit Risk Analyst? You are if you…

• Have professional fluency in both English and French (written and verbal).
• Have 5+ years in Alt-A mortgage underwriting.
• Have a minimum 3+ years of direct Quality Control experience.
• Have demonstrated expertise in residential mortgage underwriting practices, including adherence to Guideline B20 and income documentation requirements.
• Have strong working knowledge of KYC, AML, and ATF regulations.
• Have proficiency in report preparation using G Suite and Microsoft Office.
• Have advanced analytical, logical thinking, and data analysis skills.
• Have exceptional interpersonal and communication skills to effectively manage 2nd/1st Line dynamics.
• Have high attention to detail and ability to meet tight deadlines under pressure.
• Look for opportunities to achieve business goals and reframe challenges as opportunities.
• Take full ownership of deliverables with honesty and integrity.
• Act as a strong team player who builds healthy working relationships.

Compensation Information:

Base salary range: $80,000 - $90,000

The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full-Time Permanent roles.

At Questrade Financial Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. This is an environment where individuals are treated with dignity and respect. Here, the unique skills and experience you bring will be valued. You will be supported and motivated, so that you can harness your unlimited potential. Our team reflects the diversity of the communities we serve and operate in. Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us.

Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening. The AI system operates on predetermined criteria, with final decisions subject to human review.

Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.

North American Centre, 5700 Yonge St, North York, ON M2N 5M9, Canada