Senior Credit Analyst - AVP, French Speaking

SENIOR CREDIT ANALYST - ASSISTANT VICE PRESIDENT (FRENCH SPEAKING) About the Role As a Senior Credit Analyst - Assistant Vice President, you will serve as a critical member of the Institutional Credit Management organization, where you'll deliver world-class credit risk analysis, portfolio monitoring, and credit administration. Working closely with Corporate Banking and Risk teams, you'll help safeguard the integrity of wholesale lending operations across the institution. This is a full-time position in the Credit Risk function within Risk Management. What You'll Do You will manage a substantial portfolio of corporate relationships while owning comprehensive credit risk analysis and continuous monitoring responsibilities. Your day-to-day work will include preparing Initial Credit Approvals, Transaction Approvals, Annual Reviews, and Quarterly Reviews. You'll also support Ad-Hoc Portfolio and Industry Reviews alongside Stress Testing initiatives. Your key duties will encompass: Evaluating the credit and financial strength of complex Large Corporate, Public Sector, and Financial Institutions clients through rigorous fundamental credit analysis, applying both quantitative and qualitative assessment methods. Developing detailed Credit Analysis documentation and assigning internal credit risk ratings based on independent judgment, thorough due diligence, and deep industry knowledge. Actively monitoring your covered portfolio by tracking industry trends, assessing impacts on key relationships, and promptly escalating potential credit concerns to Underwriters, Risk partners, and Banking colleagues. Collaborating with regional and industry stakeholders across Banking and Independent Risk functions to implement consistent credit assessment and monitoring standards. Supporting additional business unit and company objectives as needed. What We're Looking For You bring a minimum of 8-10 years of demonstrable financial services experience, with substantial credit exposure in Banking, Credit Risk Management, or equivalent credit-focused roles. You are fluent in both English and French, with strong written and verbal communication abilities in both languages. Your analytical capabilities are proven and sophisticated. You understand key financial components including liquidity position and leverage profile, identify root causes and emerging trends, and anticipate horizon issues before they materialize. You excel at analyzing corporate and financial institution risk profiles, with particular strength in industry research, risk identification, and key driver analysis. You possess strong technical skills in financial statement analysis, cash flow assessment, industry and competitive analysis, and financial projections. You're comfortable evaluating complex business structures that include foreign subsidiaries and parent organization relationships. Your organizational abilities are exceptional, including prioritization, meticulous attention to detail, and consistent on-time delivery in dynamic, fast-paced environments. You communicate effectively across all formats—written and verbal—and demonstrate sophisticated interpersonal skills. Your problem-solving approach is thorough and methodical, combining strong recognition and resolution capabilities. Education and Preferred Qualifications You hold a bachelor's degree or university equivalent. An advanced degree in Business (MBA) or a related field represents a distinct advantage. Core Competencies: Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure and Regulation, Risk Management Lifecycle. Supporting Competencies: Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. Equal Opportunity Statement We are an equal opportunity employer committed to building a diverse and inclusive workforce. Qualified candidates will be considered for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other legally protected characteristic. If you require reasonable accommodation to use our search tools or complete your application, please visit our Accessibility resource page for additional support.