Bilingual Specialist, Credit Risk and Financial Analysis

CMHC; Ottawa; Hybrid; CAD 84,000 - 106,000; Full time

Job summary

A leading housing corporation based in Canada is seeking a Bilingual Specialist in Credit Risk and Financial Analysis. This role involves preparing credit risk assessments, reviewing financial statements, and advising on applicants’ creditworthiness. Candidates should possess an undergraduate degree, 5+ years of experience in financial analysis, and strong bilingual communication skills. This position offers an inclusive workplace and is hybrid.

Benefits

Annual Paid vacation

Defined benefit pension plan

Comprehensive group insurance plan

Support for personal and professional growth

Qualifications

• 5+ years of experience in credit/financial analysis and risk management.
• Solid oral and written communication skills in both French and English.
• Strong analytical reasoning and attention to detail.

Responsibilities

• Prepare credit risk assessments for the Multi-Unit programs.
• Review financial statements and prepare credit risk reports.
• Advise on applicants’ creditworthiness.

Skills

Credit risk assessment

Financial analysis

Bilingual communication

Analytical reasoning

MS Excel skills

Education

Undergraduate degree in business, accounting, finance, commerce or economics

Tools

Bloomberg

Reuters

S&P Capital IQ

Job description

Overview

Job Requisition ID: 11462

Position Status: Permanent Full Time

Position Type: Hybrid

Office Location: Ottawa (ON); Calgary (AB); Halifax (NS); Montreal (QC); Toronto (ON); Vancouver (BC)

Travel Requirement: Limited

Language Designation: Bilingual

Language Skill Levels (Read/Write/Speak): CBC

Security Requirement: Reliability Status

Salary: Our salaries generally range from $84699.11 to $105873.89 and are based on qualifications and experience.

About CMHC

The work you do and the work we do together matters. We come to work every day with a common purpose: to contribute to a well-functioning housing system.

At CMHC, we hold ourselves accountable for our results and support our colleagues in their achievements. We thrive on collaboration, connecting across CMHC and involving the right people to get our work done. Our leadership style is guided by trust, where our leaders favour an adaptive approach based on the needs of their teams.

Join us and be part of a team that\'s committed to making a real difference and be part of something meaningful.

What’s in it for you

We’ve got the purpose, the people and the perks you need for a fulfilling career. Here’s the comprehensive and generous benefits you get when you’re a permanent employee:

• Annual Paid vacation.
• Annual individual performance incentive.
• Defined benefit pension plan.
• Comprehensive group insurance plan to support your well-being from day one.
• Support towards your personal and professional growth with training, mentorship and more.
• An inclusive workplace culture and environment.
• While positions at CMHC require some in-office presence, alternative work arrangements may be considered for Indigenous candidates.

About the role

Join the Multi-Unit Borrower Financial Analysis (MUBFA) team within the Business and Portfolio Operations Division, in the Bilingual Specialist, Credit Risk and Financial Analysis position, where we provide credit opinions on large borrowers in support of Underwriting Operations. In this role, you will identify, analyze and assess the risks on large borrowers and provide a recommendation on CMHC’s continued insurance business.

What you'll do:

• Prepare credit risk assessments of applicants supporting the Multi-Unit programs.
• Review financial statements and organizational structure, calculate financial ratios, and prepare/present a credit risk report to management.
• Provide advice and recommendations to appropriate staff and management on applicants’ creditworthiness.
• Establish and maintain meaningful relationships with key stakeholders to gain a thorough understanding of the operational environment in order to influence complex business decisions.
• Perform, document, and guide ad hoc financial analysis and provide analytical assistance to various internal stakeholders.

What you should have:

• An Undergraduate degree in a related field such as business, accounting, finance, commerce or economics.
• A minimum of five years’ experience in credit/financial analysis and risk management practices.
• Solid oral and written communication skills in both official languages (French and English), with the ability to clearly convey decisions and address objections.
• Strong analytical reasoning, attention to detail, excellent organizational skills and the ability to prioritize and work in a multi-demand environment.
• Intermediate MS Excel skills, knowledge of market information and analysis systems (Bloomberg, Reuters, S&P Capital IQ).
• A good knowledge of multi-unit underwriting operations.

It would be great if you also had:

• A CPA, CFA or CIA professional designation or equivalent experience.
• Demonstrated Audit experience is an asset.

Posting closing date: Note, the competition will remain active until filled.

Our commitment to diversity, equity, and inclusion

We’re committed to employment equity and encourage women, Indigenous Peoples, persons with disabilities, veterans and persons of all races, ethnicities, religions, abilities, sexual orientations, and gender identities and expressions to apply. We also welcome applications from non-Canadians who are eligible to work in Canada.

CMHC is an inclusive workplace where diversity of thought – and of people – are recognized, valued, and considered essential to achieving our mission.

Learn more about our commitment to diversity and inclusion

What happens after you apply

We know that applying for a new job can be both exciting and daunting, and we appreciate your effort. Learn more about our hiring process. If you are selected for an interview or testing, please advise us if you require an accommodation.

If you applied before and you were not successful don’t worry – we\'re always posting new positions, so don’t hesitate to give it another shot. We’re excited to see what you bring to the table this time around!