Junior Credit Analyst, Diversified Industries

In a changing world, unprecedented challenges require unmatched talent. Join one of Montreal's Top Employers in 2025. 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**

As a Junior Credit Analyst, you will be responsible for managing the credit risk of a portfolio of Investment Grade Diversified Industrials clients. 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, with a specific focus on Multinational Corporate clients.

**In detail**

The team members are responsible of the following activities:
Core tasks and responsibilities include:

- Manage and monitor the credit quality of a portfolio of assigned North American Industrial Clients, primarily Investment Grade US/Canadian subsidiaries of foreign corporate clients and Investment Grade US/Canadian corporates. 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
- Contribute to the bank’s growth strategy by supporting new client onboarding 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
- Collaborate with colleagues across regions to align on client strategy

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**

List of required competencies
- Bachelor’s Degree in Finance or Accounting
- At least 2 years of experience in corporate banking, credit management, or at a rating agency
- Good financial statement analysis and corporate credit assessment skills
- Understanding of banking products, loan structures, and credit agreements
- Proficiency in Microsoft Word and Excel
- Excellent written and verbal communication skills
- Ability to work independently with limited supervision and engage constructively with senior stakeholders
- Given the vast majority of our clients, both internal and external, are based outside of Quebec and Canada, specific language requirements may apply. Knowledge of the English is required.

**Preferred Qualifications**

Master’s degree in Finance and/or MBA

Completion of formal credit training programs

Financial modeling and projection skills

**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

(Opens in a new tab)

**What you need to know**
- 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;- (Opens in a new tab)

**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 regardless of race, religion, colour, national origin, sex, disability, age, and other protected status (Employment Equity Act and Canadian Human Right Act).

To learn more about our DE&I commitments, click here
- (Opens in a new tab)

**About us**

BNP Paribas is the top bank in the European Union and a major international banking establishment. Present in 63 countries, with more than 180,000 employees, the bank holds key positions in several areas of banking and financial services.

BNP Paribas’ mission is to contribute to a responsible and sustainable economy by financing and advising its clients according to the highest ethical sta