Credit Risk Analyst

2 months ago

Toronto, Canada Ebury Full time

Ebury is a hyper-growth FinTech firm, named in as one of the top 15 European Fintechs to work for by AltFi. We offer a range of products including FX risk management, trade finance, currency accounts, international payments and API integration.

French Speaking - Credit Risk Analyst - Ebury Toronto Office

Work Pattern:  4 days in the office, 1 day from home

Your Role

We are building out our Credit Risk function here in Toronto, Ebury’s main Canadian office, and you will be one of the first analysts dedicated to one of our most important geography.

Our lending is powered by business insight. The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling. 

You will be expected to prepare a submission to our Credit Committee with analysis and recommendations, as well as contribute to the development of automated risk modelling and adapt our processes to local markets. 

The key is to add qualitative insight to credit decisions including granting lines, monitoring them, and pursuing collections.

Your Specific Responsibilities

Support, and report to, the Country Head of Credit Risk;  Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk;  Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles;  Present and defend your analysis personally at credit committee meetings to senior management, including C-Suite;  Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly;  Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury;  Proactively manage your own pipeline of work; Liaising with managers across our other geographies to add insight or assist where necessary; Share your thoughts to improve our processes.

Your Background

We don’t conduct our credit analysis via a tick box exercise and we believe the same should be true of the people we hire. Below is simply an example of the background we are looking for:

A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness; A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way; A solid understanding of Canadian accounting principles;  An understanding of FX markets and associated vanilla products;  An ability to work in Excel in a professional setting. Have a high level of proficiency in communication in both English and French.

#LI-CD1 

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