Credit Analyst, Funds & Corporate

Credit Analyst, Funds & Corporate – Corpay

We are looking for a Credit Analyst for Funds and Corporate within our Credit division, located in Toronto, Canada. This hybrid role combines institutional fund underwriting with corporate credit analysis, offering a unique opportunity to assess diverse client segments. Your responsibilities will include underwriting Funds (FI) clients, performing corporate credit underwriting, and ensuring adherence to the Company’s underwriting standards and risk policies while collaborating with key partners across Sales, Compliance, Legal, Finance, Treasury, and Operations.

You will report directly to the Head of Group Credit and work closely with your team and other departments.

• This will be a hybrid position with assigned workspace in the Toronto office.
• Company‑issued equipment.

• Perform underwriting for Fund (FI) clients and corporate clients across multiple jurisdictions.
• Assess and analyze financial statements, fund structures, management quality, and other credit factors to determine overall risk and creditworthiness.
• Prepare well‑reasoned credit recommendations and, where authorized, approve credit within assigned limits.
• Ensure all underwriting decisions comply with internal guidelines, regulatory expectations, and risk policies.
• Monitor existing portfolios to ensure ongoing compliance and identify emerging risks.
• Conduct portfolio analyses to identify concentration risks, performance trends, and credit deterioration.
• Develop and recommend remediation plans for higher‑risk exposures.
• Prepare clear, comprehensive credit memos, portfolio reviews, and presentations for senior management.
• Work closely with Sales, Compliance, Legal, Operations, IT, Treasury, and Finance to ensure seamless deal execution and alignment with risk objectives.
• Support Credit Manager with risk‑related decisions, exceptions, and complex deal structures.
• Stay current on industry trends, market conditions, regulatory developments, and macroeconomic events impacting credit risk.
• Recommend improvements to underwriting processes, tools, and best practices to enhance risk assessment quality and operational efficiency.

• Minimum of 2+ years of experience with a bachelor’s degree in Finance, Economics, Accounting, or Business Administration (master’s preferred).
• Professional designations such as CFA, CA, or FRM are strong assets.
• Proven experience in underwriting and credit risk management, ideally covering both Funds (FI) and corporate clients.
• Experience with regulatory compliance in underwriting and strong understanding of legal and compliance considerations related to Fund structures.
• Experience in foreign exchange (FX) or financial markets is a significant advantage.
• Excellent financial analysis, critical thinking, and decision‑making skills.
• Strong written and verbal communication skills, with the ability to present complex information clearly.
• Highly detail‑oriented with strong organizational abilities and the capacity to work under pressure.

• Comprehensive benefits package including medical, dental, vision, and paramedical benefits, effective day one.
• Optional company match RRSP program.
• Virtual fitness classes offered company‑wide.
• Time‑off including major holidays, vacation, sick, personal, and volunteer time.
• Discounted gym membership rate.
• Philanthropic support with local and national organizations.
• Fun culture with company‑wide contests and prizes.

Corpay is an Equal Opportunity Employer. Corpay provides equal employment opportunities to all qualified applicants without regard to race, color, gender (including pregnancy), religion, national origin, ancestry, disability, age, sexual orientation, gender identity or expression, marital status, language, ancestry, genetic information and/or any other group status protected by federal or local law. If you require reasonable accommodation for the application and/or interview process, please notify a representative of the Human Resources Department.

This salary range is provided for locations which require such disclosure. Where a…