*Bilingualism in French and English, both spoken and written, is mandatory for this role.

This role offers an opportunity to apply strong analytical skills, seasoned credit judgment, and commercial lending experience in support of Canadian entrepreneurs. You will prepare and authorize well-supported loan proposals for businesses across a range of industries and regions, contributing to prudent credit decision-making and responsible portfolio growth. If you are looking to join an organization that invests in your development, values diverse perspectives, and supports meaningful work, we invite you to be part of our committed team.

POSITION OVERVIEW

At BDC, the only bank dedicated exclusively to Canadian entrepreneurs, your work will help advance the growth and long-term success of small and medium-sized businesses across the country.

As Senior Manager, Underwriting - Credit Risk Management, you will be accountable for credit due diligence, risk analysis, and the authorization of loan proposals of moderate to high complexity. You will develop well-supported proposals that reflect BDC's credit risk standards and align with established policies and procedures. At BDC, you can be yourself at work in an inclusive environment where expertise, collaboration, and meaningful impact are recognized and valued.

CHALLENGES TO BE MET

• Underwrite and authorize comprehensive, well-structured loan proposals for moderate to high complexity credit files, ranging from $350,000 to $1.5 million, through detailed financial analysis, appropriate investigation, and thorough due diligence.
• Determine appropriate credit terms, pricing, repayment structures, and covenants while applying disciplined credit analysis, balanced risk assessment, and effective account management practices.
• Review loan documentation and, when required, negotiate transaction structures with internal partners, including account managers and business centre management, to ensure alignment with BDC policies and procedures.
• Support the resolution of compliance matters and material changes that arise during transaction negotiation and structuring, ensuring appropriate risk mitigation and timely decision-making.
• Develop practical, well-suited solutions that meet the needs of both the client and BDC by applying sound judgment, creativity, and strong problem-solving skills.
• Build and maintain trusted working relationships with business centre colleagues and internal partners to foster collaboration, support shared objectives, and promote consistent application of credit policies.
• Stay current on changes to credit policies, procedures, and processes, as well as emerging credit and regulatory trends that may affect BDC.
• Provide coaching to new employees, act as a mentor, and actively support knowledge sharing within the team and with internal partners.

WHAT WE ARE LOOKING FOR

• Bachelor's degree in commerce, business administration, accounting, or a related field.
• CPA or CFA designation considered a strong asset.
• Bilingualism in English and French is required.
• Minimum of five (5) years of relevant experience in credit analysis, loan adjudication, commercial lending, or a related financial services role.
• Experience coaching, mentoring, or guiding colleagues in a team environment.
• Demonstrated ability to analyze, structure, and assess commercial financing transactions.
• Strong credit judgment and a solid understanding of credit risk policies, practices, and governance expectations.
• Knowledge of BDC products, services, policies, processes, and procedures, or the ability to quickly develop this knowledge.
• Excellent communication skills, with the ability to interact, influence, and negotiate effectively with internal partners and, when required, with clients.
• Strong organizational skills and the ability to manage competing priorities while meeting critical deadlines in a high-volume environment.
• Solid business acumen and a strong understanding of the realities and dynamics of small and medium-sized enterprises.
• Collaborative team player who works effectively across multidisciplinary teams and contributes to a strong partnership culture.

While we appreciate all applications, we advise that only the candidates selected to participate in the recruitment process will be contacted.