The position at a glance

As a Senior Credit Officer, you will be responsible for managing the credit risk of a portfolio of Diversified Industrials clients, while directly supervising junior credit analysts. 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, the Senior Credit Officer 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. Leadership and talent-development traits are necessary in this role as the Senior Credit Officer will be accountable for building the next generation of credit talent through formal coaching and development planning. Success in this role is measured by quality of contribution towards deal execution, credit management, and development and growth of the junior analysts.

In detail

The successful candidate will be responsible for the credit management of assigned Diversified Industrials corporate clients and for working on new client deals along with other colleagues (Analyst to Managing Director) on the Team and on key partner teams.

Core tasks and responsibilities include:
• Manage and monitor the credit quality of a portfolio of assigned North American Industrial Clients (corporates and LBOs) spanning the entire rating spectrum. This will include:

• Analyze borrowers' financial statements and historical performance metrics
• Assess financial covenant compliance and quarterly/LTM performance indicators
• Incorporate qualitative and quantitative insights from lender presentations, press releases, rating agency reports, and industry research

• Support the technical development and mentoring of junior credit analysts, fostering collaboration, sense of ownership, and accountability
• Act as the primary escalation point for junior analysts on client and credit matters
• Contribute to the bank's growth strategy by supporting new client's origination and prospecting
• Prepare detailed credit memoranda for new transactions, annual reviews, renewals, amendments, and waivers
• Present credit analyses and recommendations to Credit Committees and senior stakeholders / decision makers
• Maintain portfolio reporting, including watchlist memos and quarterly monitoring for highly leveraged clients
• Interact with internal and external auditors during loan examinations
• Collaborate with colleagues across regions to align on client strategy
• Participate in client meetings and calls alongside Bankers

Work conditions: This position provides for standard working conditions in an office and a normal work schedule from Monday to Friday. This position requires little travel.

The strengths and skills that will help you succeed

Minimum Required Qualifications
• Bachelor's Degree in Finance or Accounting
• At least 6-7 years of experience in corporate banking or credit management, preferably with M&A/LBO exposure or at a rating agency
• Fluency in English *
• Strong financial statement analysis and corporate credit assessment skills
• Solid understanding of banking products, loan structures, and credit agreements
• Advanced financial modeling and projection skills
• Proficiency in Microsoft Word and Excel
• Excellent written and verbal communication skills
• Ability to work independently and engage constructively with senior stakeholders

Preferred Qualifications
• Master's degree in Finance and/or MBA
• CFA designation or candidacy
• Completion of formal credit training programs

*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.

What's in it for you

In addition to competitive compensation, we offer flexible benefits including a family and spouse insurance program, a defined contribution pension plan and paid days for volunteering. Hybrid work arrangements are available for most positions. In-office presence is required a minimum of 3 days per week, one of which must be on a Monday and/or a Friday. BNP Paribas provides excellent training and personal development programs, as well as opportunities for career development within the company and internationally.

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

What you need to know

• We will review candidates as they apply, so don't wait to submit your application;