Credit Analyst

A career as a Credit Analyst in the Equipment Financing team at National Bank means acting as a credit evaluation expert.

This job allows you to make a meaningful impact on our organization through your expertise in financial analysis, risk management, and loan structuring. You’ll play a key role in supporting Canadian businesses by offering tailored financing solutions that help them grow and thrive.

This is an important role in delivering effective risk-based loan pricing and profitability management. The Credit Analysts act as subject matter experts providing guidance and support to credit associates and support teams, enhancing the development of our credit capabilities.

Your role

• Analyze credit applications and recommend appropriate financing structures
• Collaborate with Relationship Managers and Risk Management teams to support sound credit decisions
• Ensure compliance with internal policies and regulatory requirements
• Contribute to portfolio assessments to identify risks and propose mitigation strategies

Day to Day Activities:

Client engagement: Deliver outstanding client experiences at every interaction and execute on plans to continuously build the client experience, in line with CWB’s brand promise. Provide full-service solutions for clients with the view to be every client’s primary financial partner.

Credit underwriting: As an experienced credit underwriter, you will partner with Relationship Managers to support the branch strategy and client experience through effective and timely credit underwriting for new and existing borrowing clients with average loan volumes greater than $500M. You will manage risks and day-to-day client relationships for medium to large commercial clients.

Risk management: You will utilize your risk management skills to ensure appropriate measures are put into place and risk assessment protocols and structures are implemented, while balancing risk and reward in line with CWB’s risk appetite. You respect and comply with all policy/procedures, regulatory and reporting requirements.

Your Team

Within the Equipment Financing sector, you’ll be part of a large team of colleagues and report to the Credit Manager. Our team stands out for its deep expertise, collaborative spirit, and commitment to client success.
We aim to offer you maximum flexibility to support your quality of life, including a hybrid work environment and adaptable schedules.

National Bank values continuous development and internal mobility. Our personalized training programs, based on hands-on learning, help you master your role and explore new areas of expertise. You’ll have access to tools like the Data Academy, language training, Harvard Learning Center, and coaching and mentoring support at all times.

Requirements

• Bachelor’s degree in business, finance, or a related field
• Minimum of 3 years of experience in financial services, risk management, or commercial lending
• Strong skills in financial statement analysis and credit evaluation
• Knowledge of collateral requirements and credit documentation
• Professional designation (CFA, CPA, CGA, CMA, or CA) or willingness to obtain one

Capabilities that will take you further

Financial expertise. You have garnered credit underwriting experience that has allowed you to plan, execute and mitigate risk on a portfolio of clients. You have solid comprehension of equipment financing and leasing and a general understanding of collateral security and documentation requirements.

Play to win approach. Ability to be successful in a high volume, fast paced and somewhat stressful environment arising from competing responsibilities, regulatory processes, multiple stakeholders, and client expectations - by utilising effective prioritization, planning, escalation, and teamwork.

Proactive nature. Although you pride yourself in being detail oriented and can see well into the weeds of problems, it is your knack for anticipating needs, opportunities, and solutions that sets you apart from your peers.

Effective communication. You can communicate effectively both verbally and in writing. You have refined your negotiation, facilitation, influencing and conflict mitigation skills. “

Be Part of a Bold New Chapter
As we transition from Canadian Western Bank (CWB) to National Bank of Canada (NBC), we’re looking for talented individuals to join us on this exciting journey. While you’ll begin your role at a CWB location, you’ll be part of a forward-thinking team preparing for a seamless move to NBC.

This is more than a job—it’s an opportunity to grow, connect, and help shape the future of banking in Canada.
Join us. Grow with us. Change with us.

Your benefits In 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

• 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

• Opportunities to get involved in community initiatives

• Telemedicine service

• Virtual sleep clinic

These are a few of the benefits available to you. 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 actively listen to employees’ ideas. Whether through our surveys or programs, regular feedback and ongoing communication is encouraged We're putting people first 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 peoples' lives. Our core values of partnership, agility, and empowerment inspire us, and inclusivity is central to our commitments. We offer a barrier-free workplace that is accessible to all employees We want our recruitment process to be fully accessible. If you require accommodation, feel free to let us know during your first conversations with us. We welcome all candidates! What can you bring to our team? Come live your ambitions with us!