Role Overview
As a Senior Analyst within the Credit Analysis & Support Team, you will play a key role in maintaining the strength and performance of the Commercial Automotive lending portfolio. Your work will center on detailed financial evaluation, ongoing client monitoring, and ensuring compliance with credit requirements. You'll support senior credit professionals by delivering accurate data, timely reporting, and structured analysis to inform lending decisions.
Key Responsibilities
- Review and analyze interim and annual financial reports from clients, ensuring data is accurately captured and up to date
- Use financial spreading tools to process statements and projections in compliance with established timelines and standards
- Maintain monitoring systems to track reporting deadlines, covenants, and conditions, reducing overdue items through proactive follow-up
- Conduct trend analysis to assess client financial health and support risk rating determinations
- Identify and escalate covenant breaches or material changes in client status, and track resolution in internal systems
- Support the annual credit review cycle by preparing financial spreads, analyzing client files, and ensuring documentation is complete
- Ensure all credit-related changes—such as fees, pricing, and internal approvals—are correctly recorded in relevant platforms
- Collaborate with syndicate partners when Scotiabank acts as agent, gathering necessary due diligence for credit assessments
- Verify that all conditions precedent are fulfilled before transaction completion and properly logged
- Uphold compliance with anti-money laundering policies, Know Your Customer protocols, and ethical business practices
Qualifications and Skills
You bring solid experience in credit analysis and financial statement interpretation. Proficiency in accounting principles and risk assessment is essential. You are comfortable working with financial modeling tools and have hands-on experience with lending operations in commercial or automotive finance environments.
- Demonstrated ability to analyze financial data, structure credit inputs, and draw sound conclusions
- Intermediate-level knowledge of accounting and financial analysis techniques
- Strong problem-solving mindset with attention to detail
- Effective communication skills, both written and verbal
- Familiarity with commercial lending products and industry segments such as automotive floor planning, leasing, and commercial real estate
- Proficiency in Microsoft Office, particularly Excel and Word, and experience with specialized systems like Moody’s CreditLens, Task Manager, and dealer management platforms
Work Environment
This is a hybrid role based in Montreal, Quebec, with occasional non-standard hours as business needs arise. You will work within a structured, process-driven environment that values accuracy, accountability, and continuous improvement.
Compensation and Development
The position offers a competitive salary and benefits package. Career progression is supported through clear performance criteria, internal training programs, and leadership engagement focused on professional growth. Recognition is aligned with performance and contribution to team objectives.
Organizational Values
You’ll be part of a results-oriented team dedicated to responsible growth and community impact. The culture emphasizes inclusion, high performance, and ethical conduct. The organization is committed to accessibility and equity in the workplace, and accommodations are available throughout the hiring process.
