Senior Credit Risk Analyst
About The Position
Play a critical role in shaping how FCC understands, measures and discusses credit risk, capital and risk‑adjusted performance. As a Senior Credit Risk Analyst on the Capital Quantification team, you’ll independently lead complex analytical work that informs decisions on new products, strategic initiatives, portfolio risk and capital allocation. Your work will span expected loss (ACL), economic capital (ECAP) and forward‑looking scenario analysis, helping FCC identify emerging risks, understand portfolio vulnerabilities and assess trade‑offs between growth, profitability and risk. With a high degree of curiosity and a desire to understand the ‘why’ behind the numbers, you’ll use your technical abilities and agriculture industry knowledge to translate complex modelling outputs into clear, decision‑ready insights and actively facilitate discussions with senior leaders and stakeholders across Risk, Finance, Core Banking and Operations. As a subject‑matter expert, trusted technical resource and mentor, you’ll help strengthen analytical capability across the team, influence how data and processes evolve and contribute to a culture of curiosity, rigor and continuous improvement.
Requirements
- A degree in finance, economics, mathematics, statistics, computer science or a related quantitative field
- Significant experience in credit risk, capital management or advanced analytics within a financial institution
- Significant experience with expected loss, economic capital, and portfolio credit risk concepts, including how IFRS 9 (Allowance for Credit Losses) and OSFI’s Capital Adequacy Requirements (CAR) influence their measurement, governance, and impact on capital and risk‑adjusted performance metrics
- Advanced analytical and problem‑solving skills, with the ability to work independently on complex, ambiguous problems
- Strong data skills and experience working with large datasets (e.g., SAS, Python); experience with visualization tools such as Power BI or QuickSight
- Excellent communication and interpersonal skills, with the ability to influence and collaborate across functions
Nice To Haves
- Experience in the agriculture or agri‑food sector is considered an asset
Responsibilities
- Analyze credit risk and capital impacts (expected loss and ECAP) for new products, programs, and strategic initiatives including reasonability assessments and sensitivity analysis
- Lead end‑to‑end analytical projects independently, from problem framing through delivery of clear recommendations
- Identify trends, concentrations and emerging vulnerabilities in FCC’s loan portfolio using large, complex datasets
- Develop and interpret forward‑looking scenarios and stress analysis to support ICAAP, planning, and senior management discussions
- Translate technical results from risk models into plain‑language insights that enable informed decision‑making
- Facilitate and enable conversations about capital, profitability and risk‑adjusted performance across the organization
- Partner closely with Risk, Finance, Operations, Core Banking and other stakeholders to ensure analyses are relevant, well‑understood, and actionable
- Recommend and influence improvements to data quality, analytical processes and reporting frameworks
- Provide leadership, coaching and mentorship to other analysts
- Champion strong analytical practices, intellectual curiosity and continuous learning within the team
Benefits
- Competitive total rewards packages
- market-aligned and performance-based salary and incentive programs
- flexible and comprehensive group benefit and savings plans
- well-being support through benefits and wellness programs
- Learning and development opportunities
- Hybrid work options
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What This Job Offers
Job Type
Full-time
Career Level
Senior
