Senior Commercial Credit Risk

Area(s) of interest: Finance and accounting, Risk management

Location(s): Montreal

A career as a Senior Director, Commercial Credit, within the Risk Management team at National Bank, involves acting as a subject-matter expert in the approval of credit facilities for small and medium-sized enterprises (SMEs).

In this strategic role, you will actively contribute to maximizing the quality and performance of a commercial loan portfolio, in alignment with the Bank’s strategic objectives and national risk appetite. You will have a tangible and lasting impact on the organization by implementing control strategies designed to ensure portfolio integrity, optimize profitability, and support business growth.

Your role

• Analyze, approve, and recommend financing requests for SMEs in Quebec and across Canada, in accordance with National Bank’s credit policies and risk appetite.
• Work closely with business line teams to meet tight turnaround times.
• Ensure the quality, sound management, and ongoing monitoring of the existing credit portfolio.
• Participate independently in various committees, strategic initiatives, and special mandates.
• Foster effective collaboration, provide coaching, and maintain ongoing communication with business partners and key stakeholders.

Your team

Within the Credit Risk sector, you will be part of a team of approximately ten professionals and report to the Senior Director, Credit, who also serves as team lead. The team is recognized for its deep expertise in SME commercial financing across Eastern Canada. By joining us, you will become part of a highly collaborative community of experts and contribute to initiatives focused on continuous improvement of the Bank’s processes.

Requirements

• Bachelor’s degree in a related field with a minimum of six (6) years of relevant experience or a master’s degree in a related field with a minimum of four (4) years of relevant experience.
• Proven experience in commercial credit risk analysis.
• Strong negotiation and influencing skills.
• Excellent analytical and synthesis abilities, strong attention to detail, and a collaborative mindset.
• In-depth knowledge of financial products and services for businesses.
• Demonstrated leadership in the implementation of new credit initiatives and/or the execution of special mandates.
• Ability to make complex decisions under tight timelines.

Languages:

Reason to require this language: you will need to work closely with our colleagues outside Quebec.

Skills

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Commercial Finance Commercial Lending Credit Risk Diversity & Inclusion Risk Analysis Teamwork Empathy Initiative Learning Agility Resiliency Credit Risk Management

In addition to competitive compensation, upon hiring you’ll be eligible for a wide range of flexible benefits to help promote your well‑being and that of your family such as:

• Health and wellness program, including many options
• Employee Share Ownership Plan
• Employee and family assistance program
• Preferential banking services
• Involvement in community initiatives
• Virtual sleep clinic

We have an offer that keeps up with trends as well as your needs and those of your family.

Our dynamic work environments and cutting‑edge collaboration tools foster a positive employee experience. We value employees' ideas. Whether through our surveys or programs, regular feedback and ongoing communication are encouraged.

Making a bold move in a people‑first environment

We’re a bank on a human scale that stands out for its courage, entrepreneurial culture, and passion for people. Our mission is to have a positive impact on people’s lives. Our core values of partnership, agility, and empowerment inspire us, and inclusion is central to our commitments. We aim, wherever possible, to provide a barrier‑free and accessible environment to all employees.

We strive to provide accessibility measures throughout the recruitment process within the limits of our available resources. If you require accommodations, feel free to let us know during our initial conversations. We welcome all candidates! What can you bring to our team?

Why work at National Bank?

For an environment that supports your career path

There are many varied opportunities for you to progress and develop, and move ahead in your career. This includes on‑the‑job learning and training, co‑development and pairing with other employees, professional support and mentoring, internal career days or discussion forums with our leaders.

For an inclusive and diverse environment

We foster inclusion in an environment where each person’s unique qualities, whether visible or invisible, are celebrated and valued. We welcome all candidates! What can you bring to our team?

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