A career as a Credit Analyst in the team of Franchise Finance, at National Bank is to act as a credit specialist. This opportunity allows you to make a meaningful impact through your expertise in financial analysis and risk management, contributing to sound decision-making and sustainable growth.

Your job

• Ensure compliance with risk management functions, workflows, and policies, including loan administration, data accuracy, portfolio quality, exposure limits, and loan security requirements.
• Assist in the preparation of annual credit reviews on assigned portfolio of loans
• including an updated security review, financial covenant testing, re-rating of transaction
• credit risk and updated financial statement and cash flow analysis
• Meet objectives for timely and thorough credit adjudication and application processing, working closely with sales, operations, and risk management teams.
• Carry out detailed financial and cash flow analyses to support credit decisions and portfolio evaluations.
• Make sure to prepare clear and well-supported recommendations for approval, restructuring, or deferral of credit applications, and maintain accurate credit condition checklists.
• Accompany and influence operational improvements by identifying opportunities for process optimization and actively participating in their implementation.
• Identify and assess proposed amendments to credit conditions and transaction security, ensuring alignment with established lending practices and guidelines.

Your team

Within the sector (Franchise Finance), you are part of a team of colleagues and report to the AVP, Portfolio & Structuring. Our team stands out for its innovative lending solutions and strong client relationships. We aim to offer you maximum flexibility to promote your quality of life. This is reflected in a hybrid work environment, as well as a flexible and adaptable schedule.

The Bank values continuous development and internal mobility. Our personalized training programs, based on learning in action, allow you to master your craft 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

• Hold a bachelor's degree in business or a related field, along with a minimum of two years of experience in financial services within risk or credit management, banking, or business lending.
• Demonstrate experience in credit adjudication and financial statement analysis.
• Master effective risk mitigation strategies for credit underwriting.
• Possess strong organizational and interpersonal skills.
• Maintain a high level of professionalism and confidentiality.

Mandatory Languages

• English

Softskills to be added to skills if possible

• Analytical thinking
• Collaboration
• Communication and negotiation
• Confidentiality
• Growth mindset