SENIOR MANAGER, UNDERWRITING - CREDIT RISK MANAGEMENT

BDC•Montreal, QC

2d•Hybrid

About The Position

At BDC, the only bank dedicated exclusively to Canadian entrepreneurs, your work contributes directly to the success of small and medium-sized businesses across the country. As Senior Director, Loan Writing – Credit Risk Management, you are responsible for credit due diligence, risk analysis, and authorization of loan proposals of moderate to high complexity. You produce high‑quality loan proposals that meet BDC’s credit risk standards while ensuring compliance with established policies and procedures. At BDC, you can be yourself at work in an inclusive environment that values expertise, collaboration, and impact.

Requirements

Bachelor’s degree in Commerce, Business Administration, or Accounting.
Minimum five (5) years of relevant experience in credit analysis, loan writing, or a related financial role.
Proven experience preparing and writing loan proposals.
Demonstrated ability to analyze and negotiate financial transactions.
Strong credit judgment and in‑depth understanding of credit risk policies and practices.
Effective communication skills, with the ability to interact and negotiate with internal partners and, occasionally, with clients.
Strong time management skills and ability to prioritize work to meet critical deadlines.
Solid business acumen.
Strong teamwork skills and a clear understanding of small business dynamics.

Nice To Haves

Professional accounting designation (CPA) or CFA designation.
Previous experience in the banking or financial services industry.
In‑depth knowledge of BDC products, services, policies, processes, and procedures.
Experience providing coaching, mentoring, or informal leadership within a team.

Responsibilities

Prepare and approve, comprehensive, well-structured loan proposals by conducting detailed financial analysis, appropriate investigations, and thorough due diligence for moderately to highly complex credit files.
Define and recommend credit terms, pricing, repayment structures, and covenants, ensuring rigorous credit analysis, sound risk assessment, and strong account management practices.
Review loan documentation and, when required, negotiate transaction structures with internal partners (DC, DCA, CRM) to ensure compliance with BDC policies and procedures.
Contribute to the resolution of compliance issues or significant changes arising during transaction negotiation and structuring.
Develop balanced, win‑win solutions for both the client and BDC by applying sound judgment, creativity, and problem‑solving skills.
Build and maintain strong working relationships with business centre colleagues and internal partners to promote teamwork, alignment on common objectives, and consistent application of credit policies.
Stay current on changes to credit policies, procedures, and processes, as well as emerging credit and regulatory trends that may impact BDC.
Provide coaching to new employees, act as a mentor, and actively contribute to knowledge transfer within the team.

Benefits

Flexible and competitive benefits
Employee Savings and Investment Plan where BDC matches part of your voluntary contributions
Defined Benefit Pension Plan
$750 wellness and health care spending account
Paid vacation each year
Five personal days
Sick days as necessary
Offices are closed from December 25 to January 1
Hybrid work model
Opportunities for learning, training and development