Credit Analyst

6 months ago

Toronto, Canada Raymond James Financial, Inc. Full time

**Credit Analyst**
- 2401111
- At Raymond James, _**_we _**_develop, _**_we _**_collaborate, _**_we _**_decide, _**_we _**_deliver, and _**_we _**_improve together_.

Raymond James Ltd. is Canada’s leading independent investment dealers offering high quality investment products and services to Canadians seeking customized solutions to their wealth management needs.

**_ Credit Analyst_**

**How does the role impact the organization?**

Under general supervision with a high level of autonomy, uses knowledge and skills obtained through education, training and experience to assist a business unit or department in making credit decisions and monitoring a portfolio of corporate loans. Verifies credit information and analyzes both publicly reported and privately disclosed financial information. Guidance from individual Manager and / or assigned Banker is provided to perform work that is complex, requiring a certain degree of evaluation, originality and ingenuity to make various credit related decisions. Provides support to Bankers overseeing a portfolio of syndicated corporate loans, with a predominant focus on leveraged loans.

**_ New Loan Underwriting _**-** Review of new loan requests from lending partners, brokers and direct from clients, including loan investment memorandums; reviewing financial statements and other material to prepare independent cash flow and underwriting value estimates focusing on large complex transactions.

**_ Loan Portfolio Management_** -** Prepare quarterly and annual credit reviews, collate and analyze complex financial and non-financial data on the group’s existing clients and loan portfolio; Working alongside the senior members of the lending team in their day-to-day management of the portfolio.

**What will your role be responsible for?**
- Provides support to Banker in regards to portfolio and risk management of complex corporate loans to ensure proper reserve requirements are applied.
- Analyzes both publicly filed and private financial statements, interprets findings and prepares various reports and models.
- Prepares quarterly and annual reviews of existing corporate borrowers and respective loan participations.
- Works closely with a team to underwrite and present loan investments to an Executive Loan Committee on an ad hoc basis.
- Prepares spreadsheets, reports, summaries and opinions, including analyses of individual corporate loans and portfolio based overviews of credit metrics.
- Maintains documentation files and monitors compliance with terms of loans.
- Performs other duties and responsibilities as assigned.

**What can you expect from us?**

Our most important investment is in people. Upon eligibility, Raymond James Ltd offers **flexible workstyles,** a competitive compensation and benefits package. Our benefits range from Health Benefits, RRSP Matching Program, Employee Stock Purchase Plan, Paid Time Off, Volunteer Days, Discretionary Bonuses, Tuition Reimbursement and many more We also support internal promotion and community involvement.

**What do we expect from you?**

**To qualify for this opportunity you possess**:
Essential Knowledge, Skills, and Abilities:

- Understanding fundamental concepts, practices, and procedures of accounting and financial principles.
- Familiarity with fundamental concepts, practices, and procedures of credit analysis, including financial statement analysis.
- Knowledge of financial markets and products.
- Demonstrating very strong written and verbal communications skills.
- Proficiency in researching, interpreting, and analyzing financial statements.
- Competence in preparing financial position and credit reports.
- Ability to monitor compliance with loans/accounts.
- Skill in preparing and delivering oral and written presentations with a focus on attention to detail.
- Demonstrating strong interpersonal skills with a proven ability to work as part of a team.
- Interpreting various financial statements (audited, operating, budgets, and projections).
- Building and managing financial models and spreadsheets.
- Attention to detail while maintaining a big picture orientation.
- Ability to multitask in a high-performance environment.
- Providing a high level of customer service.
- Establishing and maintaining effective working relationships with others.
- Providing support on sales calls.
- Ability to solve moderately complex problems.
- Demonstrating decisiveness, proactiveness, and a proven self-starter mentality.

**Educational/Previous Experience Requirements**
- Bachelor’s degree in Business, Finance, Accounting, or equivalent, with a minimum of zero (0) to one (1) years of credit experience;
- Willingness to complete the Chartered Financial Analyst Designation or other professional designation.

**We encourage our associates at all levels to**:

- Grow professionally and inspire others to do the same
- Work with and through others to achieve desired outcomes
- Make prompt, pragmatic choices and act with the client in m

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