Senior Advisor - Credit Risk

Job summary

Assess counterparty creditworthiness, recommend ratings, limits, payment terms, and credit solutions, and manage credit reviews, exposures, alerts, and relationships across an assigned portfolio. Monitor credit risks and reporting, support commercial teams and credit committees, and lead improvements to credit systems, processes, and cross-functional projects.

Job details

Job Title: Senior Advisor - Credit Risk Location: Montreal, QC Duration: 12 months Hybrid Schedule: 3 Days onsite and 2 days remote About the Role Based in Montreal - minimum 3 days per week in office Bilingual (Eng/Fr) candidates preferred. We would accept English-only candidates. Strong English Required. Initial contract term is 12 months, with possible extension Credit Risk Analysis and Portfolio Management: Analyse qualitative and quantitative data on new/existing counterparties in order to determine and recommend credit rating, credit limit, payment terms and credit solutions for the counterparty. Responsible for management of counterparties under assigned portfolio including credit reviews, queries on potential deals/exposures, checks on limits availability, onboarding requests, credit blocks release and credit alerts. Management of counterparty relationship together with BU/PG (e.g., onboarding, non-payment/default and/or any credit related events). Assess complex transactions in conjunction with BU/PG & functions with an aim to develop appropriate credit solutions and proper credit rights/terms in contracts. Responsible for liaising with credit insurers and brokers, other risk teams and functions (e.g. Legal, Finance) to implement credit management measures (e.g., security arrangements, payments terms, credit rights or triggers). Collaborate with Sales & Marketing teams on the formulation of solutions to enhance sales value through terms extension while ensuring risks are identified and mitigated. Support, advise and partner with Commercial organization in their strategic and operating initiatives to deliver the cash target, margin enhancement and process efficiencies to the Group. Credit Monitoring and Reporting: Monitor assigned portfolio daily using available tools/resources/market intelligence and promptly highlight any adverse credit news within the portfolio and provide early risk alert of credit events. Maintain close communication with BU/PG to gain a deep understanding of portfolio, in particular risk factors for the respective industry and counterparties. Monitor BU/PG adherence to credit limits and report all credit control breaches. Prepare, review and validate credit management reports including sales forecasts, credit exposure, AR aging and excess monitoring as needed by RT, credit insurers and banks. Ensure credit processes maintain consistency with relevant governance framework and documents and/or reporting process are in place. Prepare presentations for credit committees and insightful analytics/tools for the businesses. Credit Risk Systems and Credit Risk Projects: Utilization of various credit risk and accounting systems for credit risk management and administration (e.g., SAP, S&P CIQ). Lead and drive standardization and automation of credit related processes and continual improvements for the Credit Risk function. Initiate and participate in credit risks system enhancement and reporting needs (e.g., Credit dashboard, Excess reporting) Participate or lead in cross functional / BU / PG projects where required. About you: To be successfully considered for this role, you will have: Degree in business studies and/or finance accounting. A post graduate degree (MBA, CPA, CFA or equivalent) and strong quantitative skills would be advantageous. Minimum of 5 years of relevant experience (gained as Credit Risk / Financial Analyst) in commodity trading or metals & mining environment. Working knowledge of trade finance solutions, trade credit insurance and parental/corporate guarantees. Strong portfolio, analytical and financial analysis skills with ability to communicate final credit decisions and recommendations, both in writing and verbally. Team player, mature and able to work independently with minimal supervision and very strong stakeholder management skills. Strong PC skills, Advanced Excel and working experience with SAP, S&P CIQ. Python programming and Power BI skill a plus.

What you’ll do

Assess counterparty creditworthiness, recommend ratings, limits, payment terms, and credit solutions, and manage credit reviews, exposures, alerts, and relationships across an assigned portfolio. Monitor credit risks and reporting, support commercial teams and credit committees, and lead improvements to credit systems, processes, and cross-functional projects.

Requirements

Requires a business or finance-related degree and at least 5 years of relevant credit risk or financial analyst experience in commodity trading or metals and mining. Candidates should have strong analytical, portfolio, communication, and stakeholder management skills, knowledge of trade finance and credit insurance, and experience with Advanced Excel, SAP, and S&P Capital IQ; a postgraduate qualification and Python or Power BI skills are advantageous.

Listed skills

• Power BI · Preferred
• SAP · Preferred
• Financial analysis · Preferred
• Stakeholder Management · Preferred
• Python · Preferred

Other relevant skills

Identified from the job description. Confirm important requirements above.

• Credit Risk Analysis
• Portfolio Management
• Financial Analysis
• Credit Rating Assessment
• Credit Limit Management
• Trade Finance
• Trade Credit Insurance
• Counterparty Risk Management
• Credit Monitoring
• Stakeholder Management
• Advanced Excel
• SAP
• S&P Capital IQ
• Python
• Power BI
• Process Automation

Job areas

• Finance & Accounting
• Management & Leadership
• Data & Analytics

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