Senior Director, Credit Structuring

Jobtailor; Montreal (administrative region); On-site; CAD 140,000 - 210,000; Full time

Job summary

Jobtailor is seeking a senior-level Credit Structuring leader to oversee ABL transactions across client relationships in Montreal. The role focuses on structuring and underwriting, risk mitigation, and regulatory compliance within asset-based lending.

The candidate will guide policy, monitor portfolio health, and collaborate with senior leadership on strategic portfolio optimization, governance, and operations to drive performance.

Qualifications

• 8+ years of experience in commercial banking, credit structuring, or related financial services.
• Credit qualified with deep expertise in credit principles, structuring, and risk management.
• Strong analytical, judgment, and communication skills with regulatory knowledge.

Responsibilities

• Assist the Managing Director, Credit Structuring with ABL structuring and underwriting across client relationships.
• Provide guidance on credit structuring, risk mitigation and regulatory compliance across industries.
• Serve as a subject matter expert on ABL credit policy, documentation standards, and emerging risk considerations.
• Exercise sound credit judgment and align with governance frameworks.
• Own ongoing credit quality and risk management of an assigned ABL portfolio.
• Advise senior leadership on portfolio optimization and business planning.
• Drive operational excellence through process improvements and analytics.
• Monitor portfolio KPIs and address out-of-compliance items.
• Direct annual, interim, and quarterly monitoring and covenant reporting.

Skills

Credit Structuring

Risk Management

Portfolio Optimization

Analytical Problem-Solving

Team Leadership

Education

Post-secondary degree or equivalent

Job description

• Assist the Managing Director, Credit Structuring with structuring and underwriting ABL transactions across new and existing client relationships, including growth financings, M&A-related facilities, and refinancing
• Provide expert guidance on credit structuring, risk mitigation, and regulatory compliance across diverse industries
• Serve as a subject matter expert on ABL credit policy, documentation standards, and emerging risk considerations
• Exercise sound credit judgment and elevate matters in alignment with delegated authorities and governance frameworks
• Own ongoing credit quality and risk management of an assigned ABL portfolio
• Advise senior leadership on portfolio optimization and business planning
• Drive operational excellence through process innovation, analytics, and continuous improvement
• Monitor portfolio KPIs and ensure action plans address out-of-compliance items
• Direct annual reviews, interim reviews, quarterly/monthly monitoring, and resolution of covenant, reporting, and borrowing base exceptions
• Collaborate with Credit Partners as a Credit Leader with elevated discretionary authority
• Manage and mentor team members and support development and performance management
• Onboard new team members through knowledge sharing, integration, and hands-on guidance
• Champion a client-first approach and resolve complex issues while identifying relationship opportunities
• Collaborate cross-functionally to align credit solution delivery with enterprise strategy
• Identify issues, gaps, and process improvements with stakeholders
• Represent the Commercial Bank in internal and external regulatory and industry forums
• Contribute to enterprise-wide initiatives and broader strategic priorities

Requirements

• Minimum 8+ years of experience in commercial banking, credit structuring, or related financial services
• Previous experience in an asset-based lending role would be an asset
• Post-secondary degree in a relevant field or equivalent combination of education and experience
• Credit qualified, with deep expertise in credit principles, structuring, and risk management
• Proven technical leadership and recognized as a seasoned expert in the industry
• Exceptional verbal and written communication skills
• Advanced analytical, problem-solving, and decision-making capabilities
• Strong influence and collaboration skills, with a focus on cross-functional teamwork
• Demonstrated ability to manage ambiguity and deliver results in complex, fast-paced environments
• Thought leader in innovation, with a data-driven approach to strategy and execution

Core Competencies

Demonstrates extensive expertise in credit structuring, risk management, and regulatory compliance within asset-based lending. Proven ability to drive operational excellence and optimize portfolio performance through strategic decision-making and cross-functional collaboration.

Highest-signal resume keywords

• Credit Structuring
• Risk Management
• Portfolio Optimization
• Analytical Problem-Solving
• Team Leadership

ATS Optimization Keywords

Hard Skills

• Credit Principles
• Underwriting
• Regulatory Compliance
• Portfolio Management
• Data-Driven Strategy

Soft Skills

• Verbal Communication
• Written Communication
• Collaboration
• Influence
• Decision-Making

Certifications & Qualifications

• Credit Qualified

Industry Keywords

• Asset-Based Lending
• Commercial Banking
• M&A Financing
• Growth Financing
• Covenant Monitoring