Credit Analyst

Banque Nationale du Canada; Edmonton; Hybrid; CAD 75,000 - 110,000; Full time

Benefits offered by this job

Health benefits

Employee ownership plan

Assistance program

Flexible work environment

Job summary

National Bank is seeking a Credit Analyst on the Equipment Finance team to act as a trusted risk expert and partner to sales and credit teams. You will analyze borrower risk, structure financing solutions, and support timely credit decisions to balance risk and profitable growth.

Join a collaborative team reporting to a Credit Manager, with a focus on developing financial analysis and decision-making skills in a flexible work environment.

Qualifications

• Diploma or Bachelor's degree in Finance, Commerce, Accounting, Economics, or related field.
• 1-3 years of experience in commercial lending, credit adjudication, banking, or financial analysis.
• Strong understanding of financial statement analysis and credit risk assessment.
• Knowledge of commercial lending structures, collateral security, and credit documentation.
• Excellent analytical, communication, and decision-making skills.

Responsibilities

• Analyze financial information, credit applications, and docs to assess borrower risk.
• Structure and recommend financing solutions aligning client needs with risk appetite.
• Collaborate with Sales, Relationship Managers, and Credit colleagues for informed decisions.
• Approve transactions within delegated lending authority; prepare complex recommendations.
• Identify risks, mitigation factors, collateral considerations, and policy exceptions.
• Monitor portfolio quality and contribute to annual reviews and risk assessments.
• Ensure compliance with internal policies, procedures, and regulatory requirements.

Skills

Analytical thinking

Credit risk assessment

Financial statement analysis

Decision making

Communication skills

Education

Bachelor's or Diploma in Finance/Commerce/Economics

Related field degree

Job description

Being a Credit Analyst on the Equipment Finance team at National Bank means serving as a trusted risk expert and key partner to our sales and credit teams. In this role, you'll use your financial analysis, risk assessment, and decision-making skills to support Canadian businesses with financing solutions that help them grow and succeed.

You'll play a critical role in balancing risk and reward by evaluating credit opportunities, structuring transactions, and providing sound recommendations that support profitable growth while protecting the Bank's interests.

Your role:

• Analyze financial information, credit applications, and supporting documentation to assess borrower risk and repayment capacity.
• Structure and recommend financing solutions that align with client needs and the Bank's risk appetite.
• Collaborate with Sales, Relationship Managers, and Credit colleagues to support timely and informed credit decisions.
• Approve transactions within delegated lending authority and prepare recommendations for more complex credit requests.
• Identify key risks, mitigating factors, collateral considerations, and policy exceptions.
• Monitor portfolio quality and contribute to annual reviews, risk assessments, and corrective action plans where required.
• Ensure compliance with internal policies, procedures, and regulatory requirements.

Your Team

Within Equipment Finance, you'll be part of a collaborative credit team and report to a Credit Manager. Our team is recognized for its strong credit expertise, commitment to sound risk management, and focus on delivering exceptional client service.

We offer a flexible work environment, opportunities for professional development, and ongoing support through coaching, mentoring, and training programs designed to help you grow your career.

Prerequisites

• Diploma or Bachelor's degree in Finance, Commerce, Accounting, Economics, or a related field.
• 1-3 years of experience in commercial lending, credit adjudication, banking, or financial analysis.
• Strong understanding of financial statement analysis and credit risk assessment.
• Knowledge of commercial lending structures, collateral security, and credit documentation.
• Excellent analytical, communication, and decision-making skills.
• Ability to manage competing priorities in a fast-paced environment.

Join us. Grow with us. Change with us.

Help Canadian businesses achieve their goals while building your expertise in commercial credit, equipment finance, and risk management with one of Canada's leading financial institutions.

Languages:

Skills

Artificial Intelligence Diversity & Inclusion Teamwork Cybersecurity Empathy Initiative Learning Agility Resiliency

In addition to competitive compensation, upon hiring you’ll be eligible for a wide range of flexible benefits to help promote your wellbeing and that of your family such as:

• Health and wellness program, including many options
• Employee Share Ownership Plan
• Employee and family assistance program
• Preferential banking services
• Involvement in community initiatives
• Virtual sleep clinic

We have an offer that keeps up with trends as well as your needs and those of your family.

Our dynamic work environments and cutting-edge collaboration tools foster a positive employee experience. We value employees’ ideas. Whether through our surveys or programs, regular feedback and ongoing communication are encouraged.

Making a bold move in a people-first environment

We’re a bank on a human scale that stands out for its courage, entrepreneurial culture, and passion for people. Our mission is to have a positive impact on people’s lives. Our core values of partnership, agility, and empowerment inspire us, and inclusion is central to our commitments. We aim, wherever possible, to provide a barrier-free and accessible environment to all employees.

We strive to provide accessibility measures throughout the recruitment process within the limits of our available resources. If you require accommodations, feel free to let us know during our initial conversations. We welcome all candidates! What can you bring to our team?

For an environment that supports your career path

There are many varied opportunities for you to progress and develop, and move ahead in your career. This includes on-the-job learning and training, co-development and pairing with other employees, professional support and mentoring, internal career days or discussion forums with our leaders.

For an inclusive and diverse environment

We foster inclusion in an environment where each person’s unique qualities, whether visible or invisible, are celebrated and valued. We welcome all candidates! What can you bring to our team?

We welcome all candidates! What can you bring to our team?

We welcome all candidates! What can you bring to our team?