Analyste de crédit commercial principal bilingue​/Bilingual Senior Credit Analyst – Commercial

Your Moneris Career - The Opportunity

You will perform different forms of credit-based analysis on business/ commercial accounts, with an emphasis on financial statement analysis on commercial merchants generating large credit exposure. To be successful in the role, you will be well-versed in commercial credit adjudication, credit assessments, and financial statement analysis.

Location: You will work from our Toronto office in a hybrid work model.

Reporting Relationship: You will report to the Manager, Credit - Commercial.

• Adjudicate existing or net new merchants and approve or decline applications within assigned levels of authority.

• Participate in the ongoing credit risk assessment of a portfolio of Commercial Merchants (large revenue/market share managed accounts), including periodic reviews and recommendations for the increase or decrease of collateral.

• Manage individual portfolio – periodic review, collateral updates, contract reviews, compliance reporting, etc.

• Conduct negotiation with Commercial Merchant senior executives (CEO, CFO, VP's, Directors) relating to credit decisions.

• Perform business analysis in the form of financial statement analysis, review of accounting policy affecting the financials, industry analysis, and financial modeling.

• Provide ongoing education and support to Sales, Operations, and Marketing concerning Credit Policies and Procedures.

• Bachelor's degree in Business, Finance, Economics or a related discipline.

• Pursuing a post-graduate degree or professional certifications like MBA, CFA, or CPA (a PLUS)

• Must be fluent in French and English

• 3+ years of experience in credit adjudication, including business/commercial adjudication.

• Experience analyzing business financial statement is required for the role.

• Strong interpersonal, written and verbal communication, as well as negotiation skills.

• Proficiency with MS Office applications, especially Excel (Intermediate to advanced).

• Comprehensive Total Rewards Program including bonuses, flexible benefits starting from day 1, and your choice of either a health spending account (HSA) or personal spending account (PSA)

• RRSP matching & defined contribution pension plan

• Learning & development programs and resources including unlimited free access to Coursera and an Educational Assistance Program

• Holistic approach to your well-being, with an Employee Assistance Program for you and your family, access to 24/7 virtual health care, wellness events and a supportive workplace culture

• A workplace committed to investing in Diversity, Equity and Inclusion (DEI) through various initiatives including, employee inclusion groups (EIGs), mentorship, DEI learning and workshops, educational events, and various resources including an internal DEI website and newsletter

• Company-wide paid year-end closure & personal time off (including religious, personal, and volunteer days)

Find out more about the work perks and benefits you get as a Moneris employee at

Vous effectuerez différentes formes d’analyse de crédit sur des comptes d’affaires/commerciaux, en mettant l’accent sur l’analyse des états financiers des propriétaires de commerce générant un risque de crédit important. Pour réussir dans ce rôle, vous devez avoir une bonne connaissance de l’approbation de crédit commercial, des évaluations de crédit et de l’analyse des états financiers.

Emplacement: Vous travaillerez au bureau de Toronto dans le cadre de notre modèle de travail hybride.

Lien hiérarchique: Vous relèverez de la direction du service de crédit commercial.

• Approuver de nouveaux propriétaires de commerce ou des propriétaires existants et approuver ou refuser les demandes dans le cadre des niveaux d’autorité attribués.

• Participer à l’évaluation continue du risque de crédit d’un portefeuille de propriétaires de commerce (comptes gérés à revenus import ants/à part de marché importante), y compris les examens périodiques et les recommandations pour l’augmentation ou la diminution des garanties.

• Gérer le portefeuille individuel…