Senior Credit Risk Analyst Jobs in Toronto, ON (NOW HIRING)

A career as a Senior Credit Analyst in the Commercial Lending team at National Bank means acting as a credit specialist supporting financing underwriting and risk management. This role allows you to have a direct impact on the organization by contributing your expertise in financial analysis, credit assessment, underwriting, and portfolio risk management. Your role • Analyze financial statements and all relevant reports and credit information to assess creditworthiness of new and existing commercial clients of the bank • Prepare credit applications and financing offers in collaboration with Commercial Account Managers, by mitigating risks and developing financing scenarios that meet client needs and match the Bank's risk criteria • Present the credit applications to Senior Manager and Credit with sound recommendations, and ensure compliance with the bank’s credit policies, procedures, and quality standards • Collaborate closely with internal partners to deliver a consistent, high-quality client experience and operation efficiency Your team The Commercial Banking Team consists of more than 100 specialists who work in an agile, proactive, and collaborative manner to seize opportunities, stay at the cutting edge of financial solutions, and continuously improve processes. Within the Commercial Lending department, you are part of a team of experienced professionals and report to the Senior Manager. Our team stands out for its strong collaboration, analytical rigor, and focus on high-quality credit decisions. We aim to offer you maximum flexibility to promote your quality of life. This includes a hybrid work environment and a flexible, adaptable schedule. 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. Requirements • Hold a bachelor’s degree in accounting, finance, or a related field • Have 3 to 6 years of experience in business financial services, credit analysis, or risk management • Demonstrate strong experience in financial statement analysis and credit assessment • Possess knowledge of lending practices, risk mitigation strategies, and credit structuring • Experience in commercial banking or business lending is considered an asset. 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!