Underwriting Credit Analyst (French Speaking)

UNDERWRITING CREDIT ANALYST (FRENCH SPEAKING) Early Career Position | Full Time About This Role Join Sokify's Risk Management team as an Underwriting Credit Analyst and become a crucial part of our Institutional Credit Management organization. In this role, you'll deliver top-tier credit risk analysis, monitoring, and credit administration services, working alongside our Corporate Banking and Risk teams to maintain the integrity and safety of our wholesale lending portfolio. As an Underwriting Analyst, you'll manage a portfolio of corporate relationships, owning the complete credit risk analysis for each one. Your work will span initial credit approvals, transaction approvals, annual and quarterly reviews, plus support for ad-hoc portfolio and industry reviews and stress testing activities. Your Responsibilities You'll assess the credit and financial strength of our Corporate, Public Sector, and Financial Institutions clients through comprehensive credit analysis using both quantitative and qualitative evaluation methods. Your day-to-day work will include preparing preliminary analysis on credits ranging from straightforward to highly complex, calculating cash flow metrics, debt service coverage, collateral coverage, and guarantor net worth assessments. You'll spread new, renewal, and interim financial statements according to bank guidelines, with focus on more sophisticated financial statement analysis. You'll complete detailed credit analysis write-ups and assign internal credit risk ratings based on independent assessment, thorough due diligence, and industry knowledge. Continuous portfolio monitoring forms a core part of your role. You'll track industry trends, monitor impacts on key relationships, and escalate potential credit issues to underwriters, risk managers, and banking partners promptly. You'll partner with regional and industry stakeholders across Banking and Independent Risk to implement consistent credit assessment and monitoring standards. Quality assurance is essential too. You'll review application packages and analyses to ensure they're thorough and accurate before forwarding for underwriting approval. Throughout all responsibilities, you'll demonstrate sound risk assessment judgment, uphold our reputation and compliance standards, and ensure transparency in managing and reporting control issues. What We're Looking For You'll bring 0 to 3 years of credit experience in banking, credit risk management, or equivalent roles. Strong bilingual proficiency in English and French (both written and verbal) is essential for this position. You possess strong analytical skills with solid understanding of key financial components including liquidity position and leverage profile. You can identify root causes, spot trends, and anticipate emerging issues. Background in analyzing risk for both Corporate and Financial Institutions clients is a plus. You demonstrate advanced industry research capabilities and understand risk drivers within your coverage areas. You have the ability to identify potential risk issues requiring escalation and consistently act on them promptly. A Bachelor's degree or equivalent professional experience is required. Core Skills You'll Use Analytical thinking, credible challenge, financial analysis, governance, policy, procedure, and regulation, and risk management lifecycle expertise form the foundation of success in this role. You'll bring complementary skills in related areas as needed for specific assignments. Sokify is an equal opportunity employer. We consider qualified candidates without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.