Credit Analyst, Healthcare and Pharmaceutical clients

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
Corporate Credit Management ("CCM") is a transversal team in support of the approximately 800 Corporate Clients of the North American Coverage platform. The CCM Team works to ensure coverage, monitoring & execution of all counterparty risk requests for the Corporate platform. The portfolio of clients consists of investment grade, high yield, and LBO groups. In the role, the Credit Associate will interact and develop strong relationships with Bankers (i.e. Coverage), Risk partners, Delegation Holders, and Product Teams (among others, FX, IRD, Commodity, Equity, Global Trade Solutions, Loan Capital Markets, and Leveraged Finance Teams) including coordinating the credit process amongst the various Product and Risk teams to ensure an efficient and smooth turnaround of transactions. The CCM team is organized into 8 sectors, namely Transportation, Consumer Products, Healthcare, Media & Telecom, Tech, Industrials, Gaming & Leisure, and Low Carbon Energy Transition.

As a Credit Analyst, you will be responsible for managing the credit risk of a portfolio of Healthcare and Pharmaceutical 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.

In detail
The successful candidate will be responsible for the credit management of assigned Pharma and Healthcare 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 and MNC Pharmaceutical and Healthcare Clients 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

• Contribute to the Bank's growth strategy by supporting new client onboarding and prospecting

• Prepare detailed credit proposals for new client originations, underwritings, refinancings, amendments, and annual reviews.
• 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

• Bachelor's Degree in Finance or Accounting
• Minimum of 4 years prior experience in a Corporate Banking (preferably in corporate credit) environment or Rating Agencies covering corporate clients
• Fluency in English is mandatory *
• 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 are required
• Proficiency in Microsoft Word and Excel
• Excellent written and verbal communication skills is a must.
• Experience with M&A transactions, LBO financing a plus.
• Ability to work independently and engage constructively with senior stakeholders

Preferred Qualifications

• Prior experience in pharma/medical device/life science tool sector is preferred but not mandatory
• 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;
• BNP Paribas is committed to accessibility and inclusion. During the recruitment process, accommodation needs are available at all times for candidates. You will have the chance to make a request for an accommodation during your application.
• 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;
• If you are applying and accepted to a position which requires working in/for the U.S. securities industry, you will be required to provide your fingerprints and undergo additional background checks by the FBI. BNP Paribas Securities Corporation is required to maintain a supervisory program over the conduct of its Associated Persons; some of your personal data will be transmitted to the United States of America and made available to US regulators. Please reach out to BNPP for additional information; or you can also find an overview here: 3110. Supervision

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

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 standards, while striving to respond to essential concerns in terms of the environment, regional development and social inclusion.

Since 1961, BNP Paribas has supported large Canadian companies and institutions in their business development by offering a full range of specialized financial services and investment products.

With over 1,400 employees, BNP Paribas in Canada continues to attract experts from diverse fields as well as ambitious young talent from around the world. We are proud to offer our employees a rewarding and international workplace where they can build their professional careers by honing their skills, meeting challenges and enriching their knowledge of the financial industry.

Our certifications and partnerships

• Montreal's Top Employers 2025
• Canada's Best Diversity Employers 2025
• Women in Governance – Parity certified – Platinum certification
• Pride at Work Canada
• Part of Les Affaires top 300 companies in Quebec
• Synclusiv
• Ready, Willing and Able
• Autisme sans Limites
• LinkedIn Top Companies 2024

Do you want to discover other BNP Paribas offers in Canada?
Click here: BNP Paribas in Canada Our job offers

*** While the description above describes our ideal candidate, we encourage applicants to apply even if they do not fully meet the complete list of qualifications noted***