Senior Credit Analyst

National Bank of Canada; Montreal (administrative region); On-site; CAD 90,000 - 120,000; Full time

Benefits offered by this job

Health and wellness program

Flexible group insurance

Generous pension plan

Employee Share Ownership Plan

Employee and family assistance program

Preferential banking services

Involvement in community initiatives

Telemedicine service

Virtual sleep clinic

Job summary

National Bank of Canada is seeking a Senior Credit Analyst for the Equipment Financing team to provide credit expertise for complex financing needs. You will analyze financial statements, assess risk, and structure financing in a collaborative, fast-paced environment.

You will work with relationship partners to maintain strong credit discipline while supporting commercial clients. The role emphasizes risk mitigation, analytics, and knowledge sharing within a high-performing team.

Qualifications

• Bachelor’s degree in Business, Finance, Accounting, or related field, or equivalent experience.
• Minimum 5 years of relevant experience in financial services, including commercial or business lending.
• Strong expertise in credit underwriting, including financial statement analysis and risk assessment.
• Solid knowledge of equipment financing, leasing structures, collateral, and credit documentation.
• Ability to manage multiple complex credit requests while exercising sound judgment and effective prioritization.
• Proficiency with Microsoft Office, particularly Excel.
• Strong collaboration skills and ability to work effectively with multiple internal partners and stakeholders.
• Excellent analytical skills with a high level of attention to detail.
• Ability to share expertise and provide guidance within a team environment.

Responsibilities

• Analyze financial statements and credit applications to assess risk and structure appropriate financing solutions.
• Prepare clear, complete, and well supported credit submissions for new and existing equipment financing clients.
• Ensure the quality, accuracy, and compliance of credit files in accordance with internal policies, regulatory requirements, and risk appetite.
• Partner with commercial relationship teams to support financing strategies for medium and large commercial clients.
• Identify emerging risks, trends, and opportunities, and recommend mitigation strategies aligned with business objectives.
• Contribute to knowledge sharing and expertise development within the team through guidance and collaboration.

Skills

Artificial Intelligence

Cybersecurity

Diversity & Inclusion

Empathy

Equipment Finance

Initiative

Learning Agility

Resiliency

Teamwork

Education

Bachelor’s degree in Business, Finance, Accounting, or related field

Tools

Microsoft Office (Excel)

Job description

A career as Senior Credit Analyst in the Equipment Financing team at National Bank means acting as a credit specialist who supports sound and informed decisions for complex financing needs. This role allows you to make a meaningful impact by using your expertise in credit analysis, financial assessment, and risk management to support commercial clients and business partners.

In this role, you contribute directly to the quality of financing decisions while balancing risk, client needs, and organizational objectives. You work closely with relationship partners and play a key role in maintaining strong credit discipline within a collaborative and high performing environment.

Your role

• Analyze financial statements and credit applications to assess risk and structure appropriate financing solutions
  
• Prepare clear, complete, and well supported credit submissions for new and existing equipment financing clients
  
• Ensure the quality, accuracy, and compliance of credit files in accordance with internal policies, regulatory requirements, and risk appetite
  
• Partner with commercial relationship teams to support financing strategies for medium and large commercial clients
  
• Identify emerging risks, trends, and opportunities, and recommend mitigation strategies aligned with business objectives
  
• Contribute to knowledge sharing and expertise development within the team through guidance and collaboration
  

Your team

The Equipment Financing team consists of specialists who work in an agile, proactive, and collaborative manner to seize opportunities, stay at the cutting edge of technology, and continuously improve processes.

Within the Equipment Financing department, you are part of a dedicated team focused on delivering high value credit expertise to commercial clients. You report to a manager who encourages collaboration, accountability, and professional growth. The team is recognized for its strong culture of mutual support, knowledge sharing, and commitment to high quality credit analysis.

The Bank values continuous development and internal mobility. Our personalized training programs, based on learning through action, allow you to master your role and develop new areas of expertise. Tools such as the Data Academy, language training, the Harvard Learning Center, and coaching and mentoring support are available to you at all times.

Prerequisites

• Bachelor’s degree in Business, Finance, Accounting, or a related field, or equivalent experience
• Minimum 5 years of relevant experience in financial services, including commercial or business lending
• Strong expertise in credit underwriting, including financial statement analysis and risk assessment
• Solid knowledge of equipment financing, leasing structures, collateral, and credit documentation
• Ability to manage multiple complex credit requests while exercising sound judgment and effective prioritization
• Proficiency with Microsoft Office, particularly Excel
• Strong collaboration skills and ability to work effectively with multiple internal partners and stakeholders
• Excellent analytical skills with a high level of attention to detail
• Ability to share expertise and provide guidance within a team environment

Languages: French

Required skills: Artificial Intelligence, Cybersecurity, Diversity & Inclusion, Empathy, Equipment Finance, Initiative, Learning Agility, Resiliency, Teamwork

Your benefits

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
• Flexible group insurance
• Generous pension plan
• Employee Share Ownership Plan
• Employee and family assistance program
• Preferential banking services
• Involvement in community initiatives
• Telemedicine service
• 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?

Join us!