Analyste de crédit / Credit Analyst

Cantrex Nationwide; Montreal; On-site; CAD 60,000 - 80,000; Full time

Job summary

A leading company in the retail sector is seeking a Credit Analyst to analyze credit information and provide strategic recommendations. The ideal candidate will possess strong analytical skills, a university degree in finance or related fields, and a minimum of three years of experience in credit analysis. The role involves maintaining relationships with internal clients, assessing creditworthiness, and ensuring compliance with credit policies.

Benefits

Competitive pension plan

Group insurance benefits

35-hour workweek

Qualifications

• Minimum 3 years of experience in commercial or SME credit.
• Solid knowledge of security registration procedures.

Responsibilities

• Analyze credit information for commercial clients.
• Prepare detailed credit analyses assessing risk.

Skills

Analytical Thinking

Strategic Thinking

Detail-Oriented

Bilingualism

Education

University degree in finance, accounting, economics

Tools

Microsoft Excel

Microsoft Power BI

Microsoft PowerPoint

Job description

This opportunity is for you if you have experience analyzing credit information for commercial clients and excel at formulating strategic recommendations based on that analysis. You are meticulous, detail-oriented, and possess strong analytical and strategic thinking skills.

• Establish and maintain a harmonious and professional relationship with internal clients and business partners.
• Apply the company’s credit policies, practices, and procedures to assess the creditworthiness of a portfolio of commercial accounts while respecting defined authority limits.
• Conduct thorough investigations for each new credit application or annual credit review.
• Prepare detailed, high quality credit analyses, assessing risk using financial statements, payment history, credit reports (D&B, Equifax), security analysis, all in accordance with company credit policy guidelines.
• Search, compile, and review security registrations (PPSA / RDPRM) and company profiles as part of the credit evaluation process. Prepare and monitor priority agreements to ensure compliance.
• Monitor credit approval conditions and ensure their proper implementation.
• Collaborate with the Business Development team to understand members' credit needs and optimize the facility structure according to risk profile.
• Identify problematic situations and recommend solutions to support sustainable growth while respecting the organization's risk tolerance.
• Maintain up-to-date records for internal and external clients, ensuring data accuracy for sound credit decision-making.

Qualifications and Skills for Success

• University degree in finance, accounting, economics, or related field
• Minimum of 3 years of experience in commercial or SME credit, with a emphasis on risk analysis and report writing, is a major asset;
• Experience in inventory financing, a major asset;
• Solid knowledge of security registration procedures (PPSA / RDPRM) and priority agreements;
• Strong understanding of corporate finance concepts, financial statement analysis, and credit ratios;
• Strong analytical mindset, with the ability to resolve complex problems and work within tight deadlines;
• Advanced proficiency in Microsoft Excel; familiarity with Microsoft Power BI and PowerPoint is an asset;
• Bilingualism (French and English), both spoken and written, is required;
• Knowledge of the retail sector, an asset;
• Credit Institute designation (CCP or FCI), an asset.

In addition to your base salary, you will have access to a competitive pension plan, group insurance benefits, and a 35-hour workweek.

About Cantrex Nationwide Group Inc.

For over 60 years, Cantrex Nationwide has been supporting independent Canadian retailers in the appliance, furniture, bedding, home décor, electronics, computer, photography, flooring, and outdoor categories.

With nearly 1,000 retail locations across Canada, Cantrex Nationwide, in partnership with its U.S.-based parent company Nationwide Marketing Group, is the largest buying, marketing, and business services organization of its kind in North America.

Our mission : to provide our members with the tools and buying power they need to succeed in a constantly evolving market, through a wide range of services including advertising, digital marketing, training, financial programs, and much more.

Seniority level

Seniority level

Associate

Employment type

Employment type

Full-time

Job function

Job function

Accounting / Auditing, Finance, and Analyst

Retail and Financial Services

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