Credit Officer

3 weeks ago

Montréal, Canada BNP Paribas Full time

CREDIT OFFICER (JOB NUMBER: RISK-270224-002-MN)

In a changing world, unprecedented challenges require unmatched talent. Join one of Montreal's Top Employers in 2023. We are a dynamic and growing organization having its main establishment located in downtown Montreal and part of a leading international banking institution fully committed to building a more sustainable future. Note that the position may be in the Canadian Branch of BNP Paribas or in one of its subsidiaries based in Montreal.

**The position at a glance**

Within RISK Corporate, the RISK Corporate Credit Officer (CO) understands the risk and business strategies, develops a strong knowledge of the product offering and the policies governing them, guarantees the independent assessment of the credit risks as well as of the CSR ones, in compliance with regulatory requirements and internal guidelines.

To this effect, the Credit Officer:

- Concurs or not with the Coverage and/or Business Lines Delegation Holders on files presented to Credit Committee, pursuant to an exchange on relevant items,
- Guarantees the conformity of the decisions to the credit and CSR policies.

**In detail**

This encompasses, as a 2nd line of defense, and on the portfolio under her/his responsibility, jointly with Coverage and Business lines teams (and VPG as the case may be):

- Ensure the quality of the commitments taken : these commitments should be in line with the Bank’s risk appetite principles as well as with the Bank’s credit policies and procedures including Compliance and CSR aspects;
- Ensure the adequacy of Ratings and Loss Given Default (LGDs) assigned to Corporate clients and exposures, ensuring strong compliance with rating and LGD policies (and ensuring documentation of any deviation);
- Be responsible for the redaction of clear minutes for all committees, inter-alia clearly stating RISK Corporate opinion as well as the debates with Businesses and/or VPG that might have preceded the file presentation in credit committees
- Use adequate level of delegation (Delegation Holder and RISK representative);
- Ensure the satisfactory circulation of information between the territories covering her/his geographical responsibilities and HO as well as communication between territories and with the relevant sectorial Risk Officer,
- Contribute to a continued strengthening of our overall risk framework
- Beyond pure credit risk and beyond CSR risk, COs are also asked to contribute to data quality and to the monitoring of operational risk:

- improving data quality via ensuring the accuracy of key risk parameters in minutes (counterparty ratings, GRRs, country of business, business sector, use of the relevant policies, etc. and by prompting Business to follow on corrective actions
- communicating to RISK ORC CIB any operational risk she/he becomes aware of (potential fraud, breach of security package, )
**The strengths and skills that will help you succeed**
- 10 years of experience in capacities that involve credit analysis (credit analyst, relationship manager) in traditional corporate financing.
- Master’s degree Finance or Mathematics.
- Strong analytical skills and balanced judgement.
- Can quickly identify core issues, conclude and decide objectively.
- Strong communication skills, both verbal and in writing.
- Good knowledge of Basel III.
- Knowledge of the English language is required.
- Experience in Front Office, an asset.

**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, such as remote working up to 50% and flexible working hours are available for most positions. 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**
- If you are selected to participate in the recruitment process, please inform Human Resources of any accommodations you may require. BNP Paribas will work with you to ensure that you are able to participate fully in the process;
- You must be legally eligible to work in the Greater Montreal area and, if applicable, hold a valid work or study permit. Physical presence in BNP Paribas’ office(s) is an essential function of this position;
- Given the vast majority of our clients, both internal and external, are based outside of Quebec and Canada, specific language requirements may apply. These will be clearly mentioned in the qualifications of the position;

**Diversity, Equity and Inclusion (DE&I) at the heart of our commitments**

At BNP Paribas all employees are on an equal footing allowing us to create a work environment that values and respects people for their talents, skills and competences.

BNP Paribas recruits, employs, trains, compensates and promotes reg

  • Credit Officer

    2 months ago

    Montréal, Canada Mitsubishi HC Capital Canada Full time

    By joining Mitsubishi HC Capital Canada, you will be part of an exceptional team offering flexible and adaptative commercial Equipment Financing solutions to Canadian businesses. Whether it’s leasing, factoring, inventory finance or asset-based lending, our teams are dedicated to offer the best service to our customers. In 2021, our company was awarded by...

  • Credit Officer

    1 day ago

    Montréal, Canada Mitsubishi HC Capital Canada Full time

    By joining Mitsubishi HC Capital Canada, you will be part of an exceptional team offering flexible and adaptative commercial Equipment Financing solutions to Canadian businesses. Whether it’s leasing, factoring, inventory finance or asset-based lending, our teams are dedicated to offer the best service to our customers. In 2021, our company was awarded by...

  • Credit Officer

    2 months ago

    Montréal, Canada BMO Financial Group Full time

    105-119-129 rue St-Jacques O Montreal Quebec,H2Y 1L6 - Supports the execution of strategic initiatives in collaboration with internal and external stakeholders. - Reviews and communicates decisions on credit transactions with rationale that can be understood and explained to customers. - Identifies and advises on terms, conditions and collateral requirements...

  • Bilingual Associate Credit Officer

    2 weeks ago

    Montréal, Canada Royal Bank of Canada Full time

    **Job Summary** **What is the opportunity?** As a Bilingual Associate Credit Officer, you will be in a hybrid role within Risk Operations, which offers diverse exposure to Business Financial Services (BFS). You will ensure fulfillment and servicing of complex client transactions and investigations. You will analyze non-standard and specialized transactions...

  • Credit Agent

    2 months ago

    Montréal, Canada Mitsubishi HC Capital Canada Full time

    By joining Mitsubishi HC Capital Canada, you will be part of an exceptional team offering flexible and adaptative commercial Equipment Financing solutions to Canadian businesses. Whether it’s leasing, factoring, inventory finance or asset-based lending, our teams are dedicated to offer the best service to our customers. - In 2021, our company was awarded...

  • Associate Credit Officer

    4 weeks ago

    Montréal, Canada Royal Bank of Canada Full time

    **Come Work with Us!** At RBC, our culture is deeply supportive and rich in opportunity and reward. You will help our clients thrive and our communities prosper, empowered by a spirit of shared purpose. Whether you’re helping clients find new opportunities, developing new technology, or providing expert advice to internal partners, you will be doing work...

  • Supervisor, Credit

    5 days ago

    Montréal, Canada Saputo Inc. Full time

    At Saputo, our best comes from our people. We’re a talented and caring team with a longstanding history of excellence. Since our first days delivering cheese on a bicycle, we’ve grown into a leading global dairy processor by staying true to the culture that defines us. Each of our employees is committed to uphold our tradition of care, quality, and...

  • Supervisor, Credit

    6 days ago

    Montréal, Canada Saputo Inc. Full time

    At Saputo, our best comes from our people. We’re a talented and caring team with a longstanding history of excellence. Since our first days delivering cheese on a bicycle, we’ve grown into a leading global dairy processor by staying true to the culture that defines us. Each of our employees is committed to uphold our tradition of care, quality, and...

  • Credit Analyst

    2 months ago

    Montréal, Canada BMO Financial Group Full time

    105-119-129 rue St-Jacques O Montreal Quebec,H2Y 1L6 Facilitates decisioning and analysis of all types of credit information to support lending decisions and processes for the bank. Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations. This role will make credit decisions and recommendations in accordance...

  • Credit Analyst

    1 week ago

    Montréal, Canada BMO Financial Group Full time

    105-119-129 rue St-Jacques O Montreal Quebec,H2Y 1L6 Facilitates decisioning and analysis of all types of credit information to support lending decisions and processes for the bank. Maintains and promotes a client service environment to satisfy and exceed customer needs and expectations. This role will make credit decisions and recommendations in accordance...

  • Credit Analyst

    4 weeks ago

    Montréal, Canada Groupe Nanuk (Neas) inc. Full time

    For nearly 30 years, the NEAS Group has distinguished itself and contributed positively to the sustainable economic development of the populations and communities of the Far North. They offer distinctive maritime services, relying on modern vessels, the best offer of cargo services, and its 250 highly qualified, professional and customer-oriented...

  • Credit Assistant

    2 weeks ago

    Montréal, Canada Cogir Full time

    The success of COGIR Immobilier is based on good teamwork between the various departments and on all the people who have joined the company for more than 25 years. **: - The position is temporarily based in Brossard (until July) and then downtown **ROLE AND GENERAL RESPONSIBILITIES**: - All banks in Canada - Any other tasks assigned to him by his team -...

  • Credit Authorization Analyst

    2 months ago

    Montréal, Canada Crédit Agricole CIB Full time

    **Description du poste**: - Description of the missions linked to the job responsibilities- Reviewing and understanding Credit Approvals - Have an understanding of the Credit Approval process - Ability to understand and translate the Credit Approval into the Banks Quantitative Data Model - Ability to understand the executed Loan Documentation, especially...

  • Credit Authorization Analyst

    2 days ago

    Montréal, Canada Crédit Agricole CIB Full time

    **Description du poste**: - Description of the missions linked to the job responsibilities- Reviewing and understanding Credit Approvals - Have an understanding of the Credit Approval process - Ability to understand and translate the Credit Approval into the Banks Quantitative Data Model - Ability to understand the executed Loan Documentation, especially...

  • 2024 Summer - Associate Credit Officer - Student

    8 hours ago

    Montréal, Canada Royal Bank of Canada Full time

    **Job Summary** Participates in and supports the operational activities of a business unit. Applies experience and complete working knowledge of the job and policies/practices to perform a combination of routine tasks and varied administrative/operational assignments. **What is the opportunity?** As Associate Credit Officer, you will be in a hybrid role...

  • Credit and Collections Representative

    2 weeks ago

    Montréal, Canada Mircom Technologies Full time

    Perform credit and collection activities that include analyzing customers’ credit risk, conducting systematic and daily collection follow-ups. - Works with customers in assigned territories to receive payments. Resolves customer A/R differences to the satisfaction of both Mircom and our customers. Uses good business judgment in working with/through other...

  • Credit & Collection Analyst

    2 months ago

    Montréal, Canada UAP Inc. Full time

    **Company Description** At UAP, we believe we don’t just deliver car and heavy vehicle parts all around the country; **we also** help keep Canadians moving **forward**. To do so, we have a team of finance experts to make sure everything balances. Join a special kind of workplace. We have the experience and strength of our 100-year legacy and the desire to...

  • Credit & Collection Analyst

    2 days ago

    Montréal, Canada UAP Inc. Full time

    **Company Description** At UAP, we believe we don’t just deliver car and heavy vehicle parts all around the country; **we also** help keep Canadians moving **forward**. To do so, we have a team of finance experts to make sure everything balances. Join a special kind of workplace. We have the experience and strength of our 100-year legacy and the desire to...

  • Credit and Collection Analyst

    2 months ago

    Montréal, Canada ECHOtape Full time

    **Responsibilities**: - Proactively analyze credit limits and assess risk of all active customers - Review, approve and open new accounts while adhering to company policy - Maintain the accuracy of all customer documentation including all sales tax certificates and company information - Collect outstanding customer accounts to ensure timely payments -...

  • Credit Manager

    2 months ago

    Montréal, Canada Otomashen Inc Full time

    **Job title: - Middle Office Loan Trader** **Duration: - 06 months** **Location: - Montreal, QC** **Business Overview**: The Middle Office Loan Trading team supports the settlement process of primary / secondary loan trades and loan TRS, including all funding and documentation matters and is responsible for providing daily operational support to the...