*Senior Credit Advisor

Senior Credit Advisor Be at the forefront of complex business decisions in the mining industry, helping to identify opportunities, manage risk exposure, and support sustainable value creation across global operations. Based in Montreal, this hybrid role offers a balance of in-office and remote work, with a minimum of 3 days per week on site. What is in it for you: • Salaried: $60-70 per hour. • Incorporated Business Rate: $75-85 per hour. • 3-month contract with the potential for permanent employment. • Full-time position: 40 hours per week. • Hybrid work, with 3 days per week in the office. Responsibilities: • Analyse qualitative and quantitative data on new and existing counterparties to determine and recommend credit ratings, credit limits, payment terms, and credit solutions. • Manage counterparties within an assigned portfolio, including credit reviews, queries regarding potential deals and exposures, limit availability checks, onboarding requests, credit block releases, and credit alerts. • Manage counterparty relationships together with BU/PG, including onboarding, non-payment or default situations, and other credit-related events. • Assess complex transactions in conjunction with BU/PG and other functions to develop appropriate credit solutions and establish suitable credit rights and contractual terms. • Liaise with credit insurers, brokers, risk teams, and functions such as Legal and Finance to implement credit management measures, including security arrangements, payment terms, credit rights, or triggers. • Collaborate with Sales and Marketing teams to formulate solutions that enhance sales value through term extensions while ensuring risks are identified and mitigated. • Support, advise, and partner with the Commercial organization on strategic and operational initiatives to deliver cash targets, margin enhancement, and process efficiencies. • Monitor the assigned portfolio daily using available tools, resources, and market intelligence, and promptly identify adverse credit developments and potential credit events. • Maintain close communication with BU/PG to develop a thorough understanding of the portfolio, including industry and counterparty risk factors. • Monitor adherence to credit limits and report all credit control breaches. • Prepare, review, and validate credit management reports, including sales forecasts, credit exposure, accounts receivable aging, and excess monitoring reports. • Ensure credit processes remain aligned with relevant governance frameworks, documentation requirements, and reporting processes. • Prepare presentations for credit committees and develop analytical tools and insights for the business. • Utilize credit risk and accounting systems for credit risk management and administration, including SAP and S&P Capital IQ. • Lead initiatives focused on standardization, automation, and continuous improvement of credit-related processes. • Initiate and participate in credit risk system enhancements and reporting initiatives, including dashboards and excess reporting. • Participate in or lead cross-functional, BU, and PG projects as required. What you will need to succeed: Required qualifications • Degree in Business Studies, Finance, or Accounting. • 5 years of relevant experience as a Credit Risk Analyst or Financial Analyst in a commodity trading or metals and mining environment. • Working knowledge of trade finance solutions, trade credit insurance, and parental or corporate guarantees. • Strong portfolio management, analytical, and financial analysis skills. • Ability to communicate credit decisions and recommendations effectively, both verbally and in writing, in English and French. • Advanced PC skills, including Advanced Microsoft Excel. • Experience working with SAP and S&P Capital IQ. Required soft skills • Strong stakeholder management skills. • Ability to work collaboratively within a team environment. • Ability to work independently with minimal supervision. Preferred qualifications • MBA, CPA, CFA, or equivalent postgraduate qualification. • Python programming skills. • Power BI skills. Why Recruit Action? Recruit Action (agency permit: AP-2504511) provides recruitment services through quality support and a personalized approach. As part of the screening process, some applications may be reviewed using artificial intelligence tools. Only candidates who meet the hiring criteria will be contacted.

The Senior Credit Advisor will analyze qualitative and quantitative data to determine credit ratings and manage counterparty portfolios within the mining industry. They will also collaborate with commercial teams to develop credit solutions while ensuring compliance with governance frameworks and risk management policies.

Candidates must hold a degree in Business, Finance, or Accounting and possess at least 5 years of experience in credit risk or financial analysis within a commodity trading or mining environment. Proficiency in SAP, S&P Capital IQ, and advanced Excel is required, along with strong communication skills in English and French.

• Analyse de donnéesSouhaitée
• Microsoft ExcelSouhaitée
• CommunicationSouhaitée
• Analyse financièreSouhaitée

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

• Credit Risk Analysis
• Financial Analysis
• Portfolio Management
• Trade Finance
• SAP
• S&P Capital IQ
• Microsoft Excel
• Risk Management
• Stakeholder Management
• Data Analysis
• Credit Reporting
• Contractual Terms
• Financial Modeling
• Communication
• Strategic Planning
• Sales Forecasting
• Counterparty Risk
• Capital IQ (Software)
• Credit Risk
• Quantitative Data Analysis
• Complex Transactions
• Reporting Processes
• Business Decisions
• Credit Processes
• Credit Risk Management
• Bilingual (French/English)
• Accounts Receivable
• Accounting
• Accounting Systems
• Artificial Intelligence
• Automation
• Dashboard
• Business Studies
• Certified Public Accountant
• Chartered Financial Analyst
• Commodity Trading
• Continuous Improvement Process
• Credit Control
• Credit Management
• Finance
• Sales
• Governance
• Marketing
• Python (Programming Language)
• Market Intelligence
• Operations
• Presentations
• Power BI
• SAP Applications
• Value Creation

• Finance & Accounting
• Management & Leadership
• Consulting
• Data & Analytics
• Credit Advisor
• Credit Analyst
• Credit and Loans Officers
• Credit Analysts

Formation minimale

Baccalauréat

Expérience minimale

5+ ans

Langue de l’offre

anglais

Heures de travail

40 heures par semaine

Présence au bureau

3 jours par semaine