Bank Credit Analyst

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. 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.
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.
Manage and monitor the credit quality of a portfolio of assigned North American and MNC Pharmaceutical and Healthcare Clients spanning the entire rating spectrum. Analyze borrowers’ financial statements and historical performance metrics
Assess financial covenant compliance and quarterly/LTM performance indicators
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
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
Proficiency in Microsoft Word and Excel
Experience with M&A transactions, LBO financing a plus.
Ability to work independently and engage constructively with senior stakeholders
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.
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. 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.
BNP Paribas is committed to accessibility and inclusion. During the recruitment process, accommodation needs are available at all times for candidates. 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;
some of your personal data will be transmitted to the United States of America and made available to US regulators. Supervision FINRA.Diversity, Equity and Inclusion (DE&I) at the heart of our commitments
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).
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.
Canada’s Best Diversity Employers 2025
Women in Governance – Parity certified – Platinum certification
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