Risk Analyst, Trade Credit

Intact Financial Corporation; Ottawa; Hybrid; CAD 51,000 - 62,000; Full time

Benefits offered by this job

Hybrid work model

5 extra days off per year

Telemedicine and Wellness account

Employee Share Purchase Plan (ESPP)

Job summary

Intact Financial Corporation in Canada is seeking a Risk Underwriter (Risk Analyst) to join our growing Trade Credit team. You will review buyers, assess credit risk and provide recommendations to underwriters and brokers as required.

The role requires 2–3 years in financial analysis or underwriting, knowledge of credit structuring, and strong communication skills; English/French bilingual is a plus. This hybrid role offers growth, strong benefits, and opportunities to shape risk policies.

Qualifications

• 2–3 years in financial statement analysis, commercial lending or underwriting.
• Knowledge of underwriting and financial transaction structuring.
• Experience handling complex commercial credit transactions across industries.

Responsibilities

• Review buyers, assess credit risk, and provide recommendations.
• Ensure credit analysis aligns with risk guidelines and rules.
• Communicate with commercial underwriters and brokers as needed.
• Contribute to Trade Credit plan, new business, and relationships.

Skills

Credit underwriting

Underwriting knowledge

Financial analysis

Communication skills

Bilingual EN/FR (asset)

Education

Undergraduate degree in business/finance

Job description

Our employees are at the heart of everything we do. Together, we help people, businesses, and society prosper in good times and be resilient in bad times.

Our employee promise represents Intact’s commitment to you in exchange for living our Values, striving to do your best work, being open to change and investing in your career. In return, we promise to provide support, opportunities and performance-led financial rewards at a workplace where you can shape the future, win as a team and grow with us.

Pay at Intact is about much more than just salary.

• Flexible work arrangements and a hybrid work model
• Possibility to purchase up to 5 extra days off per year
• Multiple benefits offered to support physical and mental wellbeing, including telemedicine, Wellness account and much more
• Share plan & other savings: up to 12% of salary or even more (ask how you could earn guaranteed income for life)

Salary range (but not limited to):

50,900 - 62,200

Annual bonus target, based on the base salary, with a potential payout of up to double the target (subject to personal and company performance):

5%

As part of our commitment to Win As A Team, we share our success with employees through our annual bonus plan and Employee Share Purchase Plan (ESPP) – with Intact matching 50% of your net shares.

Our pension offerings provide flexibility and long-term security for our employees beyond their careers. We are one of the few companies offering the opportunity to receive guaranteed income for life via our defined benefit pension plan.

Salary for the candidate will be determined taking into consideration a number of factors including: experience, skills, qualifications, anticipated contribution to role, internal equity, etc. The salary range presented above is based on a 35-hour workweek and would represent a majority of different candidate profiles. However, we encourage candidates who may fall outside of this range to apply as well.

About the role

We’re looking for a Risk Underwriter (Risk Analyst) to join our growing Trade Credit team!

In this role, you will work with the risk underwriting team to facilitate trade for our Trade Credit clients.

What you'll do here:

• Contribute to the buyer review process. You will be assigned a portfolio of buyers to review, assess and provide credit recommendations.
• Ensure credit analysis is consistent with the risk assessment analysis structure and risk management guidelines and applicable rules.
• Responsible for providing timely and effective communication with commercial underwriters as well as brokers where required.
• Contribute to the success of the Trade Credit Strategic Plan, including but not limited to new business, business retention, creating buyer capacity and maintaining buyer relationships.
• Partner with various internal subject matter experts to determine if transactions are viable and to mitigate risks.
• Support performance and growth by helping to set underwriting policies, standards and guidelines, ensuring adherence, leading continuous improvement activities and delivering product enhancements and new products.
• Build your professional network in order to strengthen and deepen risk analysis and understanding of the various industries in which we have credit exposure.

What you bring to the table:

• Undergraduate Degree in Business Administration, Accounting, Finance, Commerce or any combination of education and experience deemed relevant for the role.
• Minimum 2-3 years experience in financial statement analysis, commercial lending, commercial underwriting or related financial services experience.
• Knowledge of underwriting and/or financial transaction structuring.
• Experience leading and supporting the successful completion of increasingly complex commercial credit transactions across a variety of industry sectors and international markets.
• Strong written and spoken communication skills.
• MBA, CFA, CPA designation an asset.
• Bilingual in English and French is an asset.

#Li-Hybrid

Il s'agit d'un nouveau rôle au sein de notre équipe en pleine croissance | This role is a new member of our growing team.

We are an equal opportunity employer

At Intact, our Value of respect is founded on seeing diversity as a strength. We strive to create an accessible workplace where employees feel valued, included and encouraged to share their unique perspectives.

We encourage applications from individuals who are members of equity-deserving groups, including but not limited to women, Indigenous peoples, persons with disabilities, Black people, and members of the 2SLGBTQI+ community.

As part of Intact’s commitment to reconciliation, we acknowledge that we work, meet and travel across the land currently called Canada, originally inhabited by First Nations, Metis and Inuit people. This history extends through many centuries and continues to evolve today.

We have policies to ensure equal access and participation for people with disabilities, including providing workplace adjustments (accommodations). A copy of applicable policies is available on request.

If we can provide a specific adjustment to make the recruitment process more accessible for you, please let us know when we reach out about a job opportunity. We’ll work with you to meet your needs.

Learn more about our recruitment process and your candidate journey here.

Please note that Intact does not provide sponsorship or other support for immigration-related matters including but not limited to employer-specific closed work permits. Candidates must be eligible to work in Canada from the anticipated start date and throughout their employment and are solely responsible for maintaining their work eligibility.