Wealth Analyst - Credit and Margin

You are as unique as your background, experience and point of view. Here, you’ll be encouraged, empowered and challenged to be your best self. You'll work with dynamic colleagues - experts in their fields - who are eager to share their knowledge with you. Your leaders will inspire and help you reach your potential and soar to new heights. Every day, you'll have new and exciting opportunities to make life brighter for our Clients - who are at the heart of everything we do. Discover how you can make a difference in the lives of individuals, families and communities around the world.

Job Description:

The Retail Wealth Enablement, SLCSI Operations Department plays a pivotal role in our organization's strategic expansion into a new Investment Dealer. Our dedicated team, under the leadership of the AVP, Operations, Retail Wealth Enablement, is responsible for not only initiating and nurturing the wealth management segment but also ensuring operational excellence with a keen focus on first time-right process design. We place a strong emphasis on partner servicing, aligning with internal and external stakeholders, and driving process optimization to create efficient, cost-effective operations that meet both current and future scalability requirements. Our commitment to delivering high-quality wealth solutions, building strong relationships, and driving innovation within the department, all with a cost-conscious approach, is central to our mission of launching a market competitive Investment dealer. Individuals joining this role will be expected to support Advisors and internal stakeholders by ensuring prudent credit decision-making, regulatory compliance, and effective risk mitigation. The Analyst will also collaborate closely with Wealth Operations partners and provide flexible operational support as business needs evolve. This role requires flexibility to support both credit-related activities and broader wealth operations as needed.

What will you do?

The Wealth Analyst will be responsible for a wide range of activities, from planning and development to the practical execution of wealth management solutions, including the following:

• Identify and assess deteriorating risk situations through your credit analysis - where necessary, propose a course of action to mitigate risks to the firm

• Ensure compliance with margin account agreements by verifying performance against financial covenants, margin limits and firm policy

• Ensure Dealer systems correctly reflect key terms and conditions of credit agreements and other documentation for the assigned account, with respect to data integrity

• Assess, approve, and monitor margin loans, credit limits, and collateral in accordance with CIRO regulations and internal policies

• Monitor client portfolios to identify emerging credit or margin risks and proactively escalate issues with clear recommendations

• Issue and track margin calls, partner with advisors and clients to resolve shortfalls, and execute liquidations when required

• Ensure margin agreements, limits, and credit terms are accurately reflected in dealer systems and documentation.

• Partner with advisors and internal teams to respond to credit, margin, and operational inquiries

• Contribute to process improvements, documentation, and system enhancements across Wealth Operations

• Prepare reporting and analysis on credit exposures, concentration risk, and portfolio performance for management

What do you need to succeed?

• 3 - 5 years of experience in margin operations, credit risk, or collateral management within a Canadian Investment Dealer or Bank

• University Degree Required, continuing education preferred (CFA, CSC)

• Understanding of Wealth Products and Wealth Operations

• Deep understanding of margin regulations (e.g., CIRO), account requirements, derivative products, and complex option strategies

• Strong strategic vision with proven leadership and relationship management experience

• Strong Judgment with excellent organizational, analytical and problem-solving skills

• Excellent verbal and written communication skills including facilitation

• Attention to detail with an ability to see the "big picture" and to articulate essential facts

What's in it for you?

• Hybrid work environment

• Being a member of the Sun Life family, a group of people united by our Purpose: to help Clients and Employees achieve lifetime financial security and live healthier lives

• Flexible Benefits from the day you join to meet the needs of you and your family

• A friendly, collaborative, and inclusive culture

• The opportunity to move along a variety of career paths with amazing networking potential

• An environment of continuous learning and improvement

• Access to our Global Learning Centre, available 24/7 for your learning needs

• Wellness programs that support the three pillars of your health - mental, physical and financial

• Work-life balance by scheduling your day around your priorities and having more time to spend on the important things

• We are honoured to be recognized as a 2025 Best Workplaces in Canada by Great Place to Work® Canada

#LI-Hybrid

The Base Pay range is for the primary location for which the job is posted. It may vary depending on the work location of the successful candidate or other factors. In addition to Base Pay, eligible Sun Life employees participate in various incentive plans, payment under which is discretionary and subject to individual and company performance. Certain sales focused roles have sales incentive plans based on individual or group sales results.

Diversity and inclusion have always been at the core of our values at Sun Life. A diverse workforce with wide perspectives and creative ideas benefits our Clients, the communities where we operate and all of us as colleagues. We welcome applications from qualified individuals from all backgrounds.

Persons with disabilities who need accommodation in the application process, or those needing job postings in an alternative format, may e-mail a request to thebrightside@sunlife.com.

We are proud to be a hybrid organization that offers our employees the choice and flexibility to work from both the office and virtually based on the needs of the business, our Clients and you! Several work options are available and can be discussed throughout the selection process depending on the role requirements and individual needs.

We may use artificial intelligence to support candidate sourcing, screening, interview scheduling.

We thank all applicants for showing an interest in this position. Only those selected for an interview will be contacted.

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