Business Analyst - Commercial Lending
Capgemini
Toronto, ON-
Number of positions available : 1
- Salary To be discussed
- Published on February 20th, 2026
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Starting date : 1 position to fill as soon as possible
Description
Choosing Capgemini means choosing a company where you will be empowered to shape your career in the way you’d like, where you’ll be supported and inspired by a collaborative community of colleagues around the world, and where you’ll be able to reimagine what’s possible. Join us and help the world’s leading organizations unlock the value of technology and build a more sustainable, more inclusive world.
Location: Toronto, Canada
Platform Implementation & Configuration
- Lead the full lifecycle implementation of commercial lending and credit platforms-from process definition through configuration, testing, and rollout.
- Translate lending policies, underwriting standards, approval authorities, and risk models into system workflows, rules, data models, and control frameworks.
- Configure credit lifecycle stages including intake, spreading, underwriting, risk rating, approval routing, conditions, covenants, testing, exceptions, and booking.
- Design and implement approval hierarchies, delegated authorities, and exception handling logic.
- Collaborate with vendors, system integrators, and internal technology teams to ensure regulatory and risk requirements are met.
Process & Decision Design
- Analyze existing lending processes to identify opportunities for standardization, simplification, and automation using Moody’s CreditLens or similar platforms.
- Recommend scalable, pragmatic solutions aligned with system capabilities and business requirements.
- Define when configuration is required versus manual handling for low‑volume or complex exception scenarios.
- Support data mapping, reporting needs, and audit trail requirements to ensure transparency and compliance.
Stakeholder Engagement & Leadership
- Serve as a key liaison between business, risk, operations, and technology stakeholders.
- Facilitate design discussions with senior lenders, credit officers, and executive leaders.
- Communicate platform capabilities, limitations, and recommended approaches clearly and in business‑oriented language.
- Minimum 3+ years of experience in Commercial Banking, preferably in CRE/IPRE.
- Deep understanding of the commercial loan origination and approval lifecycle, including roles of relationship managers, underwriters, and credit approvers.
- Strong knowledge of:
- Commercial loan types, collateral, deal structures, credit documentation, and term sheets
- Financial statement analysis (balance sheet, income statement, cash flow), spreads, ratios, combined financials, and global cash flows
- Rent rolls, NOI, covenants, covenant tracking/testing
- Risk rating methodologies including PD/LGD
Implementation & Configuration
- Experience implementing or configuring packaged platforms such as LOS, CRM, credit risk, or workflow/compliance systems.
- Ability to convert business and credit requirements into workflows, rules, data elements, and approval logic.
- Comfortable working in configuration‑driven environments with system/regulatory constraints.
- Strong decision‑making ability within platform limitations.
The base compensation range for this role in the posted location is: $70000 to $85000/yearly.
Capgemini provides compensation range information in accordance with applicable national, state, provincial, and local pay transparency laws. The base compensation range listed for this position reflects the minimum and maximum target compensation Capgemini, in good faith, believes it may pay for the role at the time of this posting. This range may be subject to change as permitted by law.
The actual compensation offered to any candidate may fall outside of the posted range and will be determined based on multiple factors legally permitted in the applicable jurisdiction.
These may include, but are not limited to: Geographic location, Education and qualifications, Certifications and licenses, Relevant experience and skills, Seniority and performance, Market and business consideration, Internal pay equity.
It is not typical for candidates to be hired at or near the top of the posted compensation range.
In addition to base salary, this role may be eligible for additional compensation such as variable incentives, bonuses, or commissions, depending on the position and applicable laws.
Capgemini offers a comprehensive, non-negotiable benefits package to all regular, full-time employees. In the U.S. and Canada, available benefits are determined by local policy and eligibility and may include:
- Paid time off based on employee grade (A-F), defined by policy: Vacation: 12-25 days, depending on grade, Company paid holidays, Personal Days, Sick Leave
- Medical, dental, and vision coverage (or provincial healthcare coordination in Canada)
- Retirement savings plans (e.g., 401(k) in the U.S., RRSP in Canada)
- Life and disability insurance
- Employee assistance programs
- Other benefits as provided by local policy and eligibility
Important Notice: Compensation (including bonuses, commissions, or other forms of incentive pay) is not considered earned, vested, or payable until it becomes due under the terms of applicable plans or agreements and is subject to Capgemini’s discretion, consistent with applicable laws. The Company reserves the right to amend or withdraw compensation programs at any time, within the limits of applicable legislation.
Disclaimers
Capgemini is an Equal Opportunity Employer encouraging inclusion in the workplace. Capgemini also participates in the Partnership Accreditation in Indigenous Relations (PAIR) program which supports meaningful engagement with Indigenous communities across Canada by promoting fairness, accessibility, inclusion and respect. We value the rich cultural heritage and contributions of Indigenous Peoples and actively work to create a welcoming and respectful environment. All qualified applicants will receive consideration for employment without regard to race, national origin, gender identity/expression, age, religion, disability, sexual orientation, genetics, veteran status, marital status or any other characteristic protected by law.
This is a general description of the Duties, Responsibilities and Qualifications required for this position. Physical, mental, sensory or environmental demands may be referenced in an attempt to communicate the manner in which this position traditionally is performed. Whenever necessary to provide individuals with disabilities an equal employment opportunity, Capgemini will consider reasonable accommodations that might involve varying job requirements and/or changing the way this job is performed, provided that such accommodation does not pose an undue hardship. Capgemini is committed to providing reasonable accommodation during our recruitment process. If you need assistance or accommodation, please reach out to your recruiting contact.
Please be aware that Capgemini may capture your image (video or screenshot) during the interview process and that image may be used for verification, including during the hiring and onboarding process.
Click the following link for more information on your rights as an Applicant in the United States. http://www.capgemini.com/resources/equal-employment-opportunity-is-the-law
Capgemini is a global business and technology transformation partner, helping organizations to accelerate their dual transition to a digital and sustainable world, while creating tangible impact for enterprises and society. It is a responsible and diverse group of 340,000 team members in more than 50 countries. With its strong over 55-year heritage, Capgemini is trusted by its clients to unlock the value of technology to address the entire breadth of their business needs. It delivers end-to-end services and solutions leveraging strengths from strategy and design to engineering, all fueled by its market leading capabilities in AI, generative AI, cloud and data, combined with its deep industry expertise and partner ecosystem.
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