Senior Credit Analyst

 Montreal - Canada, Canada       Permanent contract        Corporate Finance / Accounting



  • Preparing high quality credit applications and annual reviews of corporate counterparties to assess their credit quality, recommending appropriate credit limits, terms and conditions. This includes financial statements analysis (P&L, BS, and CF), a review of the client’s strategy, its business risk, industry dynamics, competitive environment;

  • Preparing financial projections and determining debt repayment capability as well as assuring compliance with SGUS Credit Policies;

  • Proposing and updating Obligor Risk Ratings;

  • Monitoring compliance with covenants;

  • Reviewing all relevant legal documentation (i.e. credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SGUS policies;

  • Liaising with other CCG teams in the US, Europe and Asia, business lines, Bankers, legal & compliance, operations, and Risk department

Profile Required


  • Strong financial analytical skills;

  • Ability to assess credit terms and conditions including financial covenants, security and collateral; 

  • Strong understanding of commercial and investment banking products;

  • Ability to work in a team including interacting with teams located in other locations (US, India, Europe);

  • Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.);

  • Strong understanding the accounting, legal and regulatory issues governing relevant sectors;

  • Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed results

  • Ability to analyze and evaluate counterparty risk and financial condition utilizing quantitative and qualitative data. 


  • Strong understanding of finance and accounting principles;

  • Experience preparing financial projections under various scenarios;

  • Proficiency using Word for written analysis and Excel for spreadsheet analysis

  • Knowledge of capital markets/traded products and committed financing facilities.


  • 8-10 years as credit analyst in a corporate and investment banking entity or related field;

  • Bachelor’s degree from accredited university



  • Fluency in English


  • Fluency in French or Spanish

Business Insight

Within the Client and Credit Group, the Credit Analyst will work under the supervision of a Director - Senior Credit Analyst and will be part of a team responsible for managing a portfolio comprised of large US Corporates as well as subsidiaries of non-US groups in diverse industries. The Credit Analyst will be responsible for preparing comprehensive credit analyses, reviewing legal documentation, and on-going portfolio monitoring under the supervision of the Senior Credit Analyst.

All our positions are open to people with disabilities

Job code: 19000FJR
Business unit: SG CIB
Starting date: Immediate
Date of publication: 10/10/2019
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Senior Credit Analyst

Permanent contract   |   Montreal - Canada   |   Corporate Finance / Accounting