Credit Analyst – Diversified Corporate Team

Crédit Agricole CIB (CA-CIB) Canada is the home of Crédit Agricole CIB Canada Branch and Crédit Agricole Services & Operations. The Canada Branch has offices in Montreal and Toronto providing financial services to Canadian Financial Institutions, Banks, Pension Funds & SSA and to large Canadian headquartered international corporations. Crédit Agricole Services & Operations is hosting a part of all Crédit Agricole CIB’s support functions, from KYC, Back Offices, Risk, IT, Legal or Finance supporting our growing operations in the Americas and complementing our European and Asian operations platforms in a “follow the sun” approach. When you join CA-CIB Canada, you are joining a certified Great Place to Work employer, and a highly engaged workforce Summary: Challenging position in Credit Risk Analysis (“CRA”). CRA New York/ Montreal analyzes and recommends counterparty credit exposures, which are proposed by the bank’s business units in the Americas. The Credit Analyst is assigned to a Diversified Corporate team, but may also work on other projects as needed. Key Responsibilities: Responsible for Diversified Corporate files. Assist, as needed, with other projects. Upon receipt of a credit request generated by the Front Office (commercial unit), the Credit Analyst reviews it for completeness, interfacing with the originators to obtain whatever additional documents, cash flow projections, industry data or other information is necessary for a thorough understanding of the risk. Writes a comprehensive credit analysis, evaluating the borrower’s balance sheet and income statement, cash flow statements and projections, the structure of the transaction, exposure size and risks and mitigants in the proposal. Reviews and recommends the borrower’s credit rating using the bank’s internal rating model. Works with supervising Sector Head to determine a final recommendation to be presented to Senior Management and Credit Committee. Manages the completion of the file under the supervision of the Sector Head in order to meet deadlines. Verifies data inputs (including risk ratings, profitability assumptions) within several databases and works with commercial units to resolve issues, if any. Works on various ad hoc portfolio or counterparty research requests. Minimal education level Bachelor Degree / BSc Degree or equivalent Level of minimal experience 5+ years of experience Required skills Strong credit skills Balance sheet and income statement analysis experience Understanding of cash flow and projection models Understanding of risk exposure and size Ability to analyze and summarize information Ability to prioritize effectively Ability to work autonomously Ability to work successfully in a team Adaptability to changing environments Effectiveness at decision making Ability to deal with issues Verbal and written communication skills in English and French required (You will need to service Anglophone clients and work with Anglophone colleagues)

The Credit Analyst is responsible for analyzing counterparty credit exposures and writing comprehensive credit analyses for diversified corporate files. This includes evaluating financial statements, recommending credit ratings, and collaborating with the Sector Head to present recommendations to the Credit Committee.

Candidates must have a Bachelor's degree and at least 5 years of experience in credit risk analysis. Proficiency in both English and French is required to service a diverse client base and collaborate with colleagues.

Relevées dans la description du poste. Confirmez les exigences importantes ci-dessus.

• Credit Analysis
• Balance Sheet Analysis
• Income Statement Analysis
• Cash Flow Projection
• Risk Exposure Assessment
• Credit Rating Models
• Financial Modeling
• English Proficiency
• French Proficiency
• Decision Making
• Portfolio Research
• Communication Skills

• Finance & Accounting
• Consulting

Formation minimale

Baccalauréat

Expérience minimale

5+ ans

Postuler avant le

29 août 2026

Langue de l’offre

anglais

Heures de travail

40 heures par semaine

Niveau d’expérience

Associate