Bilingual Credit Risk Analyst

North American Centre, 5700 Yonge St, North York, ON M2N 5M9, Canada

Posted Wednesday, July 29, 2026 at 4:00 AM

At QFG, we combine human-centric collaboration with AI-driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shaping a future where AI empowers our teams to do their best work.

Join our diverse, inclusive, and hybrid workplace to unleash your creativity and nurture your curiosity without limits. If you share this sense of infinite possibility, come shape your future at QFG.

English version to follow.

What’s in it for you as an employee of QFG?

• Health & wellbeing resources and programs
• Paid vacation, personal, and sick days for work-life balance
• Competitive compensation and benefits packages
• Work-life balance in a hybrid environment with at least 3 days in office
• Career growth and development opportunities
• Opportunities to contribute to community causes
• Work with diverse team members in an inclusive and collaborative environment

This job posting is for an existing vacancy.

We’re looking for our next Bilingual Credit Risk Analyst. Could It Be You?

The Credit Risk Analyst (CRA) reports to the Manager, and is responsible for executing all aspects of the Quality Control (QC) program for residential mortgages. A key function is to ensure that all loans are underwritten according to the Company's Credit Risk appetite, as defined by established policies, procedures, and best business practices. The CRA will also conduct reviews of defaulted loans to identify questionable lending decisions and propose recommendations.

A successful candidate must possess expert-level data analytical skills to proactively identify emerging key risk indicators in funded loans, alongside a comprehensive understanding of OSFI Guideline B-20. The role requires developing and maintaining a collaborative relationship with the Residential Lending department, offering support and guidance while upholding the independence required to provide accurate reporting on the quality of advanced loans.

In this role, responsibilities include but are not limited to:

• Executing post-funding QC reviews on residential loans following established procedures.
• Conducting specialized reviews on Early Payment Defaults and investigating questionable lending decisions.
• Delivering monthly written QC results and reporting to Business Units and Senior Management.
• Utilizing a risk-based approach to select portfolio-level loan data for review.
• Monitoring and tracking all policy exceptions and ensuring required file remediations are completed.
• Proactively detecting emerging risk indicators and proposing improvements to procedure manuals and Quality Control (QC) protocols, ensuring agility in response to a dynamic regulatory landscape.
• Developing a comprehensive understanding of Questbank's lending policies and regulatory requirements.
• Recommending revisions to Quality Control protocols and credit procedures, ensuring alignment with industry best practices.
• Updating and maintaining the Credit Risk Quality Control Procedure Manual.
• Ensuring all files adhere strictly to AML/ATF and "Know Your Client" (KYC) regulatory requirements.
• Proactively identifying potential violations of internal policies or operational risk controls.
• Ensuring adherence to the bank's policies and procedures regarding compliance and operational risk controls.
• Providing ongoing guidance to business units to ensure adherence to written procedures and policies.
• Assisting in developing training tools and resources for residential underwriting teams.

So are YOU our next Bilingual Credit Risk Analyst? You are if you…

• Have professional fluency in both English and French…