Credit Analyst

As a Credit Analyst in the Equipment Financing team at National Bank, you will play a key role in delivering exceptional customer service through your expertise in credit analysis, risk management, and loan structuring. This position is part of the Small Ticket Credit team and is ideal for someone who thrives in a fast-paced environment, demonstrates strong analytical skills, and can make sound credit decisions in a timely manner.

Your Role:

• Analyze credit applications by leveraging internal systems, external credit agencies, and financial statements to determine creditworthiness.
• Work collaboratively with Account Managers to facilitate speed, accuracy, and effective credit underwriting.
• Approve credit applications within delegated limits or compile recommendations for Credit Management, including approval recommendations, structure changes, and/or deferrals.
• Ensure compliance with first-line risk management functions, including loan management, data integrity, portfolio quality, loan security, and approval requirements.
• Investigate and promptly escalate suspicious transactions or credit deterioration to Credit Management to minimize operational losses.
• Facilitate timely, prudent, and high-quality lending decisions that align with National Bank’s risk appetite.

Your Team:

Within the Equipment Finance team, you’ll join a collaborative group of Small Ticket credit professionals and report directly to the Manager, Credit. Our team is recognized for delivering exceptional employee and client experiences, driven by a strong commitment to service excellence. We aim to offer you maximum flexibility to support your quality of life, including a hybrid work environment and adaptable schedules.

National Bank values continuous development and internal mobility. We offer a wide range of ongoing learning opportunities for your growth, including hands-on learning, training courses, and collaboration with colleagues who have varied expertise and profiles.

Prerequisites:

• A diploma or bachelor’s degree in finance, commerce, or related field is preferred.
• 2-5 years of experience in financial services, risk management, or commercial lending.
• Ability to understand and interpret credit bureau reports, knowledge of collateral requirements and financial statement analysis.
• An equivalent combination of relevant experience and education will be considered.
• Proficiency in both official languages (English and French) 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.    * 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 * Opportunities to get involved in community initiatives * Telemedicine service * Virtual sleep clinic    These are a few of the benefits available to you. 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 actively listen to employees’ ideas. Whether through our surveys or programs, regular feedback and ongoing communication is encouraged.   We're putting people first 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 peoples' lives. Our core values of partnership, agility, and empowerment inspire us, and inclusivity is central to our commitments. We offer a barrier-free workplace that is accessible to all employees.     We want our recruitment process to be fully accessible. If you require accommodation, feel free to let us know during your first conversations with us. We welcome all candidates! What can you bring to our team?    Come live your ambitions with us!