Credit Analyst

Being a Credit Analyst on the Equipment Finance team at National Bank means serving as a trusted risk expert and key partner to our sales and credit teams. In this role, you'll use your financial analysis, risk assessment, and decision-making skills to support Canadian businesses with financing solutions that help them grow and succeed.
You'll play a critical role in balancing risk and reward by evaluating credit opportunities, structuring transactions, and providing sound recommendations that support profitable growth while protecting the Bank's interests.
Your role:Credit analysis. Risk management. Client support. Collaboration.
Analyze financial information, credit applications, and supporting documentation to assess borrower risk and repayment capacity.
Structure and recommend financing solutions that align with client needs and the Bank's risk appetite.
Collaborate with Sales, Relationship Managers, and Credit colleagues to support timely and informed credit decisions.
Approve transactions within delegated lending authority and prepare recommendations for more complex credit requests.
Identify key risks, mitigating factors, collateral considerations, and policy exceptions.
Monitor portfolio quality and contribute to annual reviews, risk assessments, and corrective action plans where required.
Ensure compliance with internal policies, procedures, and regulatory requirements.
Your TeamWithin Equipment Finance, you'll be part of a collaborative credit team and report to a Credit Manager. Our team is recognized for its strong credit expertise, commitment to sound risk management, and focus on delivering exceptional client service.
We offer a flexible work environment, opportunities for professional development, and ongoing support through coaching, mentoring, and training programs designed to help you grow your career.
Prerequisites
Diploma or Bachelor's degree in Finance, Commerce, Accounting, Economics, or a related field.
1-3 years of experience in commercial lending, credit adjudication, banking, or financial analysis.
Strong understanding of financial statement analysis and credit risk assessment.
Knowledge of commercial lending structures, collateral security, and credit documentation.
Excellent analytical, communication, and decision-making skills.
Ability to manage competing priorities in a fast‑paced environment.
Join us. Grow with us. Change with us.
Help Canadian businesses achieve their goals while building your expertise in commercial credit, equipment finance, and risk management with one of Canada's leading financial institutions.
Languages: English
Required skills: Artificial Intelligence, Cybersecurity, Diversity & Inclusion, Empathy, Initiative, Learning Agility, Resiliency, Teamwork
Your benefitsIn addition to competitive compensation, upon hiring you'll be eligible for a wide range of flexible benefits to help promote your wellbeing and that of your family such as:
Health and wellness program, including many options
Flexible group insurance
Generous pension plan
Employee Share Ownership Plan
Employee and family assistance program
Preferential banking services
Involvement in community initiatives
Telemedicine service
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 environmentWe’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?
Join us!
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