Senior Credit Analyst

5 days ago

Toronto, Ontario, Canada China Construction Bank Toronto Branch Full time $120,000 - $180,000 per year

A career as a Senior Credit Analyst/Credit Analyst in the team of Risk Management, at China Construction Bank Toronto Branch is to act as a credit specialist. This job allows you to have a positive impact on our organization through your expertise in financial analysis, credit structuring, and risk management in a corporate lending environment
.

Key Tasks

  • Prepare credit risk reviews and recommendations on credit applications/proposals, including but not limited to internal risk ratings, credit line and credit business.
  • Analyze financial statements and cash flow projections to assess clients' creditworthiness and risk levels.
  • Provide research and analysis of a borrower-specific and industry-wide business risks.
  • Ensure adherence to credit standards, security requirements, internal policies and risk appetite and regulatory guidelines in all lending activities.
  • Collaborate with partners in corporate banking and risk to support lending decisions and client strategies.
  • Perform portfolio reviews and identify early warning signs of existing customers and ensure accuracy of internal ratings and risk classifications.
  • Responsible for key industry studies and preparing industry research reports.
  • Other tasks assigned by Head of Risk Management Department

Direct Reporting Line:
Head of Risk Management Department

Prerequisites:

  • Hold a bachelor's degree in business or a related field and at least 5 years of experience in commercial and corporate lending.
  • Demonstrated experience in credit analysis, adjudication, and risk management.
  • Proven ability to analyze financial statements and build cash flow models.
  • Knowledge of corporate lending practices and credit structuring.
  • Ability to maintain a high level of discretion and professionalism in all interactions.

Skills:

  • Analytical thinking
  • Collaboration and teamwork
  • Growth mindset and motivation
  • Strong oral and written communication in English; Mandarin and simplified Chinese an asset
  • Familiarity with PC based applications with a solid working knowledge of Microsoft Office Suite (Word, Excel, Powerpoint, Access)
  • Detail oriented, organized, and proficient time/project management

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