Analyste, Financement, Marché commercial et agricole

Job description

**This position is listed on behalf of a partner company, which manages all applications and next steps. Our partner is looking for an Analyste, Financement, Marché commercial et agricole based in Canada.** As a Financing Analyst specializing in commercial and agricultural markets, you will contribute to financial analysis, credit risk management, and responsible lending decisions for business clients. You will assess commercial and agricultural financing applications, evaluate financial performance, and develop recommendations tailored to each client's needs and risk profile. Your work will help ensure sound financing decisions by defining appropriate lending conditions, monitoring requirements, and guarantees. Collaborating closely with colleagues and financing partners, you will serve as a key resource throughout the credit assessment and approval process. Initially, you will focus on moderately complex financing files, with opportunities to expand your expertise into broader commercial and agricultural portfolios as your experience develops. This full-time remote position offers the opportunity to strengthen your financial analysis capabilities while contributing to the success and sustainability of businesses across diverse economic sectors. If you are analytical, client-focused, and comfortable navigating complex financial information, this role offers a rewarding opportunity to make a meaningful impact in commercial and agricultural financing. ### Accountabilities - **Financial Analysis and Credit Assessment:** Analyze commercial and agricultural financing applications for retail business clients, primarily involving moderately complex files. Evaluate financial statements, business performance, repayment capacity, and relevant risk factors to support informed credit decisions. - **Financing Recommendations:** Prepare clear, well-supported financing recommendations that outline proposed credit terms, monitoring requirements, and appropriate guarantees based on each client's financial situation and risk profile. - **Credit Monitoring and Reviews:** Conduct periodic reviews of financing files to assess ongoing creditworthiness, identify changes in financial conditions, and ensure continued compliance with applicable lending requirements. - **Variable Credit Controls:** Perform controls on variable credit facilities when required, ensuring that credit arrangements remain aligned with established policies, risk parameters, and applicable procedures. - **Risk Management and Regulatory Compliance:** Apply internal credit policies, financing practices, professional standards, and relevant legislation governing the distribution of financial products and services. Identify potential risks and contribute to effective risk prevention and mitigation. - **Technical Guidance and Collaboration:** Act as a resource for financing-related matters, working closely with colleagues and business partners involved in credit files to support accurate assessments, effective communication, and timely decision-making. - **Market and Industry Analysis:** Apply knowledge of commercial, industrial, institutional, and agricultural markets to assess industry-specific risks, external economic conditions, and business opportunities affecting financing decisions. - **Continuous Learning and Portfolio Development:** Develop expertise in commercial and agricultural financing, with opportunities to expand into more complex financing files and broader market segments as business needs evolve. ## Requirements - **Education and Professional Experience:** A bachelor's degree in an appropriate discipline and at least two years of relevant professional experience. Equivalent combinations of education and experience may also be considered. - **Financial Analysis Expertise:** Knowledge of financial analysis principles and the ability to interpret financial information, evaluate business performance, assess repayment capacity, and develop sound financing recommendations. - **Commercial and Agricultural Credit Knowledge:** Understanding of credit characteristics, financing structures, and risk factors associated with commercial, industrial, institutional, and agricultural businesses. - **Financing Products and Services:** Familiarity with business banking products and services, financing solutions, and the offerings of financial institutions and competing providers. - **Credit Management and Regulatory Knowledge:** Understanding of business lending practices, credit management standards, applicable policies and legislation, and the requirements governing financial products and services. - **Market Awareness:** Ability to analyze market conditions and the external business environment, recognize industry trends, and assess their potential impact on clients and financing decisions. - **Government Assistance Programs:** Knowledge of government programs designed to support businesses and their financing needs. - **Cooperative Financial Services:** Understanding of the principles, values, and operating models of financial services cooperatives and cooperative networks. - **Client Service Orientation:** Strong commitment to client needs and service standards, with the ability to develop practical, responsible financing solutions while balancing business objectives and risk considerations. - **Analytical and Organizational Skills:** Strong judgment, attention to detail, and the ability to manage complexity, prioritize tasks, and make evidence-based recommendations. - **Communication and Collaboration:** Ability to work effectively with colleagues and business partners, communicate financial findings clearly, and contribute to shared financing decisions. - **Adaptability and Initiative:** Willingness to learn continuously, appreciate diverse perspectives, take action, and adapt to evolving client needs and business priorities. - **Language Proficiency:** Knowledge of French is required for this position. ## Benefits - **Competitive Compensation:** Competitive salary and an annual bonus opportunity. - **Generous Vacation:** Four weeks of flexible vacation starting in the first year. - **Retirement Security:** Defined-benefit pension plan designed to provide predictable and stable retirement income. - **Comprehensive Health Coverage:** Group insurance plan that includes access to telemedicine services. - **Health and Wellness Support:** Reimbursement for eligible health and wellness expenses. - **Remote Work Assistance:** Financial support for eligible home-office equipment expenses. - **Full-Time Remote Work:** A fully remote work arrangement offering flexibility and the convenience of working from home. - **Career Development:** Opportunities to deepen expertise in financial analysis, credit risk management, and commercial and agricultural financing. - **Inclusive Work Environment:** A commitment to equity, diversity, inclusion, and accessibility, with accommodations available throughout the recruitment process for candidates who require them.