SENIOR MANAGER, UNDERWRITING – CREDIT RISK MANAGEMENT

Business Development Bank of Canada; Laval; Híbrido; CAD 90 000 - 130 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Employee savings & investment plan

Defined benefit pension plan

Wellness and health care spending

Paid vacation and personal days

Hybrid work model

Learning & development opportunities

Resumo da oferta

Business Development Bank of Canada (BDC) seeks a Senior Manager, Underwriting - Credit Risk Management to lead credit due diligence and the authorization of complex loan proposals. You will guide risk assessment, refine proposals to align with policies, and mentor a team in a collaborative, inclusive setting.

In this hybrid role across Canada, you’ll apply deep credit judgment, work with internal partners, and contribute to prudent portfolio growth while supporting BDC’s mission to back

Qualificações

• Bachelor’s degree in commerce, business administration, accounting, or related field.
• CPA or CFA designation considered a strong asset.
• Bilingualism in English and French is required.
• Minimum of five years of relevant experience in credit analysis, loan adjudication, commercial lending, or related role.
• Strong credit judgment and knowledge of credit risk policies and governance.
• Excellent communication skills with internal partners and clients.
• Knowledge of BDC products, policies, processes, and procedures.
• Ability to coach and mentor colleagues.

Responsabilidades

• Underwrite and authorize loan proposals for moderate to high complexity.
• Conduct detailed financial analysis and due diligence.
• Determine credit terms, pricing, repayment structures, and covenants.
• Review loan documents and negotiate structures with internal partners.
• Provide coaching to new employees and mentor teammates.
• Foster collaboration across business centres and maintain relationships.

Conhecimentos

Credit analysis

Loan adjudication

Commercial lending

Bilingual English/French

Communication skills

Mentoring coaching

Organizational skills

Formação académica

Bachelor’s degree in commerce or related field

Descrição da oferta de emprego

We are banking at another level. Choosing BDC as your employer means working in a healthy, inclusive, and skilled workplace that puts forward the best conditions to bring together unique teams where employees are empowered to act. It also means being at the centre of ambitious economic and financial projects to see further and to do things differently, to fuel the success of Canadian entrepreneurs.

Choosing BDC as your employer also means: Flexible and competitive benefits, including an Employee Savings and Investment Plan where BDC matches part of your voluntary contributions, a Defined Benefit Pension Plan, a $750 wellness and health care spending account, to name a few. In addition to paid vacation each year, five personal days, sick days as necessary, and our offices are closed from December 25 to January 1. A hybrid work model that truly balances work and personal life. Opportunities for learning, training and development, and much more... Explore the BDC Way in our Culture Book. Bilingualism in French and English, both spoken and written, is mandatory for this role.

This role offers an opportunity to apply strong analytical skills, seasoned credit judgment, and commercial lending experience in support of Canadian entrepreneurs. You will prepare and authorize well-supported loan proposals for businesses across a range of industries and regions, contributing to prudent credit decision-making and responsible portfolio growth.

If you are looking to join an organization that invests in your development, values diverse perspectives, and supports meaningful work, we invite you to be part of our committed team.

POSITION OVERVIEW

At BDC, the only bank dedicated exclusively to Canadian entrepreneurs, your work will help advance the growth and long-term success of small and medium-sized businesses across the country. As Senior Manager, Underwriting - Credit Risk Management, you will be accountable for credit due diligence, risk analysis, and the authorization of loan proposals of moderate to high complexity. You will develop well-supported proposals that reflect BDC's credit risk standards and align with established policies and procedures. At BDC, you can be yourself at work in an inclusive environment where expertise, collaboration, and meaningful impact are recognized and valued.

CHALLENGES TO BE MET

Underwrite and authorize comprehensive, well-structured loan proposals for moderate to high complexity credit files, ranging from $350,000 to $1.5 million, through detailed financial analysis, appropriate investigation, and thorough due diligence. Determine appropriate credit terms, pricing, repayment structures, and covenants while applying disciplined credit analysis, balanced risk assessment, and effective account management practices. Review loan documentation and, when required, negotiate transaction structures with internal partners, including account managers and business centre management, to ensure alignment with BDC policies and procedures. Support the resolution of compliance matters and material changes that arise during transaction negotiation and structuring, ensuring appropriate risk mitigation and timely decision-making. Develop practical, well-suited solutions that meet the needs of both the client and BDC by applying sound judgment, creativity, and strong problem-solving skills. Build and maintain trusted working relationships with business centre colleagues and internal partners to foster collaboration, support shared objectives, and promote consistent application of credit policies. Stay current on changes to credit policies, procedures, and processes, as well as emerging credit and regulatory trends that may affect BDC. Provide coaching to new employees, act as a mentor, and actively support knowledge sharing within the team and with internal partners.

WHAT WE ARE LOOKING FOR

• Bachelor’s degree in commerce, business administration, accounting, or a related field.
• CPA or CFA designation considered a strong asset.
• Bilingualism in English and French is required.
• Minimum of five (5) years of relevant experience in credit analysis, loan adjudication, commercial lending, or a related financial services role.
• Experience coaching, mentoring, or guiding colleagues in a team environment.
• Demonstrated ability to analyze, structure, and assess commercial financing transactions.
• Strong credit judgment and a solid understanding of credit risk policies, practices, and governance expectations.
• Knowledge of BDC products, services, policies, processes, and procedures, or the ability to quickly develop this knowledge.
• Excellent communication skills, with the ability to interact, influence, and negotiate effectively with internal partners and, when required, with clients.
• Strong organizational skills and the ability to manage competing priorities while meeting critical deadlines in a high-volume environment.
• Solid business acumen and a strong understanding of the realities and dynamics of small and medium-sized enterprises.
• Collaborative team player who works effectively across multidisciplinary teams and contributes to a strong partnership culture.

Proudly one of Canada’s Top 100 Employers and one of Canada’s Best Diversity Employers, we are committed to fostering a diverse, equitable, inclusive and accessible environment where all employees can thrive and feel empowered to bring their whole selves to work.

If you require an accommodation to complete your application, please do not hesitate to contact us at [e-mail].

While we appreciate all applications, we advise that only the candidates selected to participate in the recruitment process will be contacted.

BDC is a bank unlike any other. We are the only bank dedicated exclusively to the development of Canadian businesses. The only institution whose purpose is to promote the growth of the Canadian economy by focusing on the success of small and medium-sized businesses, with a human touch and a genuine presence. At BDC, we're changing people's and businesses' lives for the better. That's what makes us unique as a bank. That's why we are banking at another level.