Bilingual Senior Credit Analyst

Quantum Management Services; Toronto; Hybrid; CAD 100,000 - 125,000; Full time

Job summary

A leading Canadian financial services organization is seeking a bilingual Senior Credit Analyst in Toronto. The successful candidate will conduct credit assessments for a diverse portfolio and manage client relations while leading negotiations with senior executives. Requires strong analytical skills and a bachelor's degree in a related field. This position is permanent with a hybrid work model.

Benefits

Comprehensive total rewards package

Employer-contributed retirement programs

Access to professional development

Inclusive workplace culture

Paid personal and volunteer days

Qualifications

• Minimum 3 years of experience in business/commercial credit adjudication.
• Experience analyzing business financial statements is required for the role.

Responsibilities

• Evaluate and adjudicate new and existing business accounts.
• Conduct ongoing risk assessments of a commercial portfolio.
• Manage individual client portfolios with periodic reviews.
• Lead negotiations with senior business executives regarding credit decisions.
• Perform detailed financial statement and industry analysis.
• Collaborate with teams to ensure adherence to credit policies.

Skills

Credit adjudication

Financial analysis

Risk management

Analytical skills

Communication skills

Negotiation skills

Fluency in French

Fluency in English

Education

Bachelor’s degree in Business, Finance, Economics, or a related discipline

Post-graduate degree or professional certifications (MBA, CFA, CPA)

Tools

Microsoft Excel

MS Office applications

Job description

Overview

Our client, a leading Canadian financial services organization, is currently seeking a bilingual Senior Credit Analyst to join their growing credit team. In this role, you will conduct detailed credit assessments and financial analyses for a diverse portfolio of business and commercial clients with significant credit exposure. The successful candidate will bring proven expertise in credit adjudication, financial analysis, and risk management.

Key Responsibilities

• Evaluate and adjudicate new and existing business accounts, approving or declining applications within delegated authority.
• Conduct ongoing risk assessments of a commercial portfolio, including regular reviews and recommendations related to credit limits, collateral, and exposure levels.
• Manage individual client portfolios by performing periodic reviews, collateral updates, and compliance reporting.
• Lead negotiations with senior business executives (CEO, CFO, VP, Directors) regarding credit decisions.
• Perform detailed financial statement and industry analysis, financial modeling, and review of accounting policies impacting financial results.
• Collaborate with Sales, Operations, and Marketing teams to ensure adherence to credit policies and procedures.

Qualifications

• Bachelor’s degree in Business, Finance, Economics, or a related discipline.
• Pursuing a post-graduate degree or professional certifications like MBA, CFA, or CPA.
• Fluency in both French and English.
• Minimum 3 years of experience in business / commercial credit adjudication.
• Experience analyzing business financial statements is required for the role.
• Strong analytical, communication, and negotiation skills.
• Advanced proficiency in Microsoft Excel and other MS Office applications.

Why Join

• Comprehensive total rewards package including performance-based incentives and flexible benefits.
• Employer-contributed retirement programs.
• Access to professional development, learning platforms, and wellness initiatives.
• Inclusive, diverse workplace culture with employee resource groups and mentorship opportunities.
• Paid personal days, volunteer days, and office closure during holidays.

To apply, please send your resume to Christina Cerraat.

Ref. No. : 123867

Position : Senior Credit Analyst (Bilingual)

Location : Toronto (Hybrid)

Salary : Competitive and based on experience

Job Type : Permanent