The position at a glance

The Senior Credit Analyst supports BNP Paribas's mission by ensuring the robust management of credit risk within the Consumer Products sector. You will contribute to new business development, perform in-depth credit analysis, and collaborate with cross-functional teams to ensure timely and sound credit decisions. This role offers the opportunity to work with a wide range of stakeholders and contribute to the bank's growth strategy. In addition, you will contribute to the development and mentoring of junior credit analysts as well as to fostering the collaborative and high performance-oriented nature of team.

In detail

As Senior Credit Analyst on the Corporate Credit Management Team, the successful candidate will be responsible for the credit management of assigned corporate clients and for working on new client deals along with other colleagues on the Team (Analyst to Director). Core tasks and responsibilities include (among others):
• Managing and monitoring the credit quality of a portfolio of assigned Consumer Products Corporate Clients, including periodic review of borrowers' financial statements, covenant compliance reports, press releases and news articles, rating agency and equity analyst reports, industry trends, etc.
• Directly managing portfolio will consist primarily of IG and sub-IG Consumer Products groups, both leveraged and non-leveraged (including LBOs). Sound modelling skills are required
• Actively participate in deal teams with Sector Coverage Bankers and related product groups to drive the credit process for new origination activity for prospects, new clients and existing relationships
• Perform credit analysis and prepare credit memoranda for assigned corporate clients including new transactions, annual reviews, renewals, amendments, waiver requests and financial updates
• Evaluate clients/transactions for risk-related changes
• Strong interaction with the Risk, Bankers (i.e. Coverage) and Product Teams (among others, FX, IRD, Commodity, Global Trade Solutions, Loan Capital Markets, and Leveraged Finance Teams) including leading the credit process amongst the various stakeholders to ensure an in-depth and thorough credit assessment as well as an efficient and smooth turnaround of transactions
• Be a team player supporting and working with other team members, bringing value and contributing to the success of the team
• Maintain reporting related to the assigned portfolio including among other things exposure tracking, regulatory related requirements, and other general reports for internal/external uses
• Interact with other bank branches to coordinate on client strategy and interact with internal and external auditors during loan examinations
• Attend bank meetings and/or client calls with the Bankers

The strengths and skills that will help you succeed

• Bachelors Degree in Finance or Accounting or Master in Finance and/or MBA/CFA
• The knowledge of English is required.*
• Minimum 6 years of prior experience in corporate banking or at rating agencies covering Corporate Clients.
• Reasoned financial statement analysis and fundamental corporate credit analysis skills when evaluating client health.
• Understanding of general banking products, loan structures, and credit agreements to support transaction workflows.
• Advanced projection modeling skills for accurate financial forecasting.
• Organized and committed approach to managing complex tasks and deadlines.
• Professional business writing and verbal skills for interacting with stakeholders.
• Responsible approach to operating within a team and interacting with senior stakeholders.
• Proficiency in Word and Excel for daily reporting and analysis.

*Given the vast majority of our clients, both internal and external, are based outside of Quebec and Canada, specific language requirements may apply. Professional working proficiency in English language is required.

While the description above describes our ideal candidate, we encourage applicants to apply even if they do not fully meet the complete list of qualifications noted

What's in it for you

Alongside a competitive compensation, we provide a comprehensive suite of flexible benefits designed to support your health, wellbeing, and long-term success:

Health & Wellness A menu of flexible options for you and your family, including a 24/7 telemedicine service.

Mental-Health Support Up to $5,000 per year for sessions with mental-health practitioners, plus unlimited access through our Employee Assistance Program.

Financial Benefits A defined-contribution pension plan and a range of additional financial perks.

Paid Volunteering Days Take time off to give back to the community.

Learning & Development Access to high-quality training, personal-development programs, and clear pathways for internal career progression across our global organization.

Work-place flexibility - Hybrid work is available for most roles. You'll be required in the office at least three days per week, with one of those days being either a Monday or a Friday.

To find out more about our range of benefits, click hre