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Associate Credit Jobs in Toronto, ON (NOW HIRING)

PwC

Credit Risk Modelling Senior Associate

Toronto, ON · Hybrid

CA$73K - CA$122K/yr

Meaningful workyou'llbe part of As a Credit Risk Modelling Senior Associate,you'llwork as part of a team of problem solvers, helping to solve complex business issues from strategy to execution.

Fairstone

Credit Adjudicator

Toronto, ON · Hybrid

CA$23.07 - CA$27.18/hr

Join Eden Park as a Credit Adjudicator reporting to Sherman Somera, and be part of our talented and growing team! About the role: * Review and adjudicate vehicle loan applications by assessing an ...

Jonluca

Credit Coordinator

Woodbridge, ON · On-site

Additionally, this role will provideadministrative support to our finance associates whenever required. Job Duties & Responsibilities Prepare, review, and retrieve back up documentation for credit ...

Jonluca Neal

Credit Coordinator

Woodbridge, ON · On-site

Additionally, this role will provide administrative support to our finance associates whenever required. Job Duties & Responsibilities * Prepare, review, and retrieve back up documentation for credit ...

Td

National Manager, Credit Solutions Group

Toronto, ON · On-site

CA$96K - CA$136K/yr

The position works in a team environment managing an assigned portfolio of accounts, supported by a Manager, Credit Solutions and a Client Service Associate. * The position is responsible for ...

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All JobsAssociate Credit JobsAssociate Credit Jobs in Toronto, ON

Associate Credit information

What is an associate credit?

Associate Credit professionals are entry- to mid-level employees who work in financial institutions or corporate finance teams, focusing on assessing the creditworthiness of individuals or companies. Their responsibilities often include analyzing financial statements, preparing credit reports, assisting in loan underwriting, and monitoring existing credit portfolios. They play a crucial role in ensuring that lending decisions are based on sound financial analysis and risk assessment. Associate Credit professionals typically work under the supervision of senior credit analysts or managers and may interact with clients to gather necessary financial information.

What is a credit associate?

A credit associate or analyst determines whether or not clients are good candidates for credit cards, loans, or financing options. Credit associate jobs are found in the banking industry and other corporate settings that provide financial services, like vehicle dealerships. Job duties include gathering data about potential clients, analyzing their financial information, and making a recommendation about their credit risk. The qualifications for this career are a bachelor’s degree in accounting or finance, experience in the financial industry, and quantitative analysis skills.

What are the key skills and qualifications needed to thrive as an associate credit?

To thrive as an Associate Credit professional, you need strong analytical skills, attention to detail, and a solid understanding of financial principles, typically backed by a degree in finance, accounting, or a related field. Proficiency with credit analysis tools, financial modeling software, and CRM systems is often required. Excellent communication, problem-solving abilities, and teamwork are essential soft skills for effectively collaborating with clients and internal teams. These competencies ensure accurate credit assessments, risk management, and the building of strong client relationships, all of which are critical for organizational success.

What are some common challenges faced by an associate credit, and how can they be overcome?

Associate Credit professionals often encounter challenges such as analyzing complex financial data, balancing multiple client accounts, and meeting tight deadlines for credit assessments. Effective time management and strong analytical skills are crucial to handle these tasks efficiently. Collaboration with senior credit analysts and other departments, such as sales or risk management, can provide valuable insights and support. Continuous learning about industry regulations and credit risk models also helps in staying updated and improving performance.

What is the difference between Associate Credit vs Credit Analyst?

AspectAssociate CreditCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; some roles may require certifications like CFA or CPABachelor's degree in finance, accounting, or related field; certifications like CFA are common but not mandatory
Work EnvironmentTypically in banking or financial institutions, working in teams to assess creditworthinessOften in banks, credit bureaus, or financial firms, analyzing data and preparing reports
Employer & Industry UsageUsed by banks, lending companies, and financial institutions for credit assessmentUsed by banks, credit agencies, and financial firms for evaluating credit risk

Both Associate Credit and Credit Analyst roles involve assessing creditworthiness, requiring similar educational backgrounds and working in financial environments. The main difference lies in job scope: Associate Credit often supports credit decision processes, while Credit Analysts perform detailed credit risk analysis and reporting.

More about Associate Credit jobs

What are the most commonly searched types of Credit jobs in Toronto, ON?

The most popular types of Credit jobs in Toronto, ON are:

What cities near Toronto, ON are hiring for Associate Credit jobs?

Cities near Toronto, ON with the most Associate Credit job openings:

Associate Credit jobs near you

Sr. Associate -Credit Transaction Review

Toronto, ON • On-site

Royal Bank of Canada
Banking and Credit Intermediation • 10K+ employees
Learn more about Royal Bank of Canadaexternal

Full-time

Posted 13 days ago

Job description

Job Description

What is the opportunity?

As Senior Associate, Credit Transaction Review, you will join a team of credit professionals working to ensure the timely completion of assigned credit reviews of borrowing relationships within the Global Wealth Management credit book, by working in collaboration with the regional credit teams and client relationship managers.

What will you do?

  • Credit reviews to include: financial analysis and risk rating of borrower and guarantor (if applicable), collateral review and analysis, determination of covenant compliance, documentation review.

  • Ensure exceptions to policy are properly identified, approved, and monitored.

  • Partner with regional credit team and Relationship Managers where appropriate to gather all relevant information to conduct credit review.

  • Raise concerns / issues surrounding individual credits that present a heightened risk to the firm's balance sheet.

  • Highlight and escalate to manager any credit writing deficiencies noted upon completion of annual reviews and make proposals to avoid such deficiencies going forward.

  • Participate in ad hoc projects as requested by manager including projects to improve the data integrity of credit reporting and suggest systematic improvements to improve efficiencies within the credit management processes and work flow.

  • Create opportunities for and support the team to use automation, process optimization and simplification to free up team capacity. Leverage AI tools (RBC Assist Pro) and best practices.

What do you need to succeed?
Must Have

  • Degree or diploma from an accredited university or college in Finance, Business, Economics or related experience

  • 3+ years of credit underwriting experience; solid risk assessment/credit experience

  • Strong interpersonal, verbal and written communication skills in the English language

  • Knowledge of various collateral types including, cash, marketable securities/investment products, real estate, and insurance-secured transactions.

Nice to Have

  • Proven successful experience with and understanding of securities based lending, mortgages and life insurance financing.

  • Displays sound independent judgment with strong understanding of legal/documentation risks as well as well-versed in credit control requirements and processes with ability to deliver results under pressure.

  • Demonstrated ability to proactively manage deadlines and work within a dynamic and fast-paced environment.

  • Excellent computer skills with advanced knowledge of computing systems and spreadsheets including formulas and calculations

What's in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

  • Opportunities to do challenging work, and to gain wide breadth of exposure in the Credit Management and Monitoring Credit Risk space, Compliance as well as other aspects of product, financial, project and Credit risk.

  • Gain a breadth of experience and exposure to the global WM platform

  • Opportunities to take on progressively greater accountabilities

  • Opportunities to building close relationships with colleagues and clients

Job Skills

Credit Analysis, Credit Reporting, Credit Reviews, Credit Risks, Financial Statement Analysis, Written Communication

Additional Job Details

Address:

RBC CENTRE, 155 WELLINGTON ST W:TORONTO

City:

Toronto

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

WEALTH MANAGEMENT

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-08-11

Application Deadline:

2026-08-26

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com.

RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.

Employment Type: FULL_TIME

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