Senior Commercial Credit Risk Manager

A career as a Senior Director, Commercial Credit, within the Risk Management team at National Bank involves acting as a subject‑matter expert in approving credit facilities for small and medium‑sized enterprises (SMEs). In this strategic role, you will actively contribute to maximizing the quality and performance of a commercial loan portfolio, aligning with the Bank’s strategic objectives and national risk appetite.

Your role has a tangible and lasting impact on the organization by implementing control strategies designed to ensure portfolio integrity, optimize profitability, and support business growth.

• Analyze, approve, and recommend financing requests for SMEs in Quebec and across Canada, in accordance with National Bank’s credit policies and risk appetite.
• Work closely with business line teams to meet tight turnaround times.
• Ensure the quality, sound management, and ongoing monitoring of the existing credit portfolio.
• Participate independently in various committees, strategic initiatives, and special mandates.
• Foster effective collaboration, provide coaching, and maintain ongoing communication with business partners and key stakeholders.

Within the Credit Risk sector, you will be part of a team of approximately ten professionals and report to the Senior Director, Credit, who also serves as team lead. The team is recognized for its deep expertise in SME commercial financing across Eastern Canada.

• Bachelor’s degree in a related field with a minimum of six (6) years of relevant experience or a master’s degree in a related field with a minimum of four (4) years of relevant experience.
• Proven experience in commercial credit risk analysis.
• Robust negotiation and influencing skills.
• Excellent analytical and synthesis abilities, strong attention to detail, and a collaborative mindset.
• In‑depth knowledge of financial products and services for businesses.
• Demonstrated leadership in the implementation of new credit initiatives and/or the execution of special mandates.
• Ability to make complex decisions under tight timelines.

• Health and wellness program, including many options
• Flexible group insurance
• Generous pension plan
• Employee Share Ownership Plan
• Employee and family assistance program
• Preferential banking services
• Involvement in community initiatives
• Telemedicine service
• Virtual sleep clinic