This role involves acting as a credit expert for commercial financing transactions, especially those valued at $5 million or more and complex cases like business transfers. Key responsibilities include performing credit analyses, structuring credit applications to mitigate risks, developing financing scenarios, collaborating with account managers to determine client needs, negotiating credit terms with the Credit Centre, and updating client files. The manager will also serve as a credit resource person, assisting in team member development and identifying sector-specific risks. The position is within the Commercial Banking and Private Banking 1859 sector, supporting business clients across Quebec with complex files, and involves a hybrid work model.
Act as a credit expert on commercial financing transactions of $5 million and more, and on more complex financing including business transfers.,Perform high-quality credit analyses in accordance with the standards established by the Credit Centre and make recommendations.,Structure credit applications (boardsheet structuring) to mitigate risks and develop financing scenarios that meet client needs and match the Bank’s risk criteria.,Participate in determining client financing needs in collaboration with the Commercial Banking Account Manager.,Negotiate credit terms and conditions with the Credit Centre, as needed, and confirm the availability of financing for the Commercial Banking Account Manager.,Obtain comments from account managers on preliminary versions of credit applications, adjust them as needed, then present them to the RVP before they are forwarded to the Credit Centre to ensure they meet the Bank’s requirements for overall client profitability.,Work with account representatives and the Credit Centre to produce documents and update client files.,Act as a resource person for credit questions within your team and help develop team members’ skills, as needed.,Identify the risks inherent to the sector’s activities.
Bachelor's degree in a related field and seven years of relevant experience,OR Master's degree in a related field and five years of relevant experience,OR University certificate and nine years of relevant experience
Bachelor's Degree or Master's Degree or University Certificate
Full-Time
Assigned complex files from across Québec
National Bank of Canada is one of the six systemically important banks in Canada, providing a comprehensive range of financial services to individuals, businesses, and institutional clients. Headquartered in Montreal, it is the leading financial institution in Quebec and holds strong positions across the country and internationally. The bank is committed to a people-first approach, fostering an entrepreneurial culture and sustainable growth for its communities.
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