Credit Analyst

Job Title: Credit Analyst

Location: Toronto, Ontario

Job Type: Full-time

Job Summary:

We are seeking a detail-oriented and analytical Credit Analyst to support our Corporate Credit Management team. The successful candidate will be responsible for conducting financial and industry analysis
, preparing credit assessments
, and optimizing credit-related procedures. This position plays a key role in the 1B risk assessment function
, supporting credit decision-making and portfolio monitoring.

• Conduct detailed financial analysis and industry reviews to support lending transaction summaries.
• Perform credit risk assessment
  , including credit rating input and risk category assignment in internal systems.
• Monitor and report on credit risk exposures
  , recommending corrective actions as needed.
• Calculate and validate RAROC and other risk-based return metrics.
• Provide analytical insights to support loan structure decisions and credit quality evaluations.
• Draft, review, and maintain internal credit documentation and procedures
  .
• Support product management for loan-related offerings, including controls and process documentation.
• Collaborate with Relationship Managers and Risk teams to complete annual reviews and risk evaluations.
• Ensure data accuracy across systems and reports related to credit risk
  .
• Participate in internal projects or process optimization initiatives as required.

• Bachelor’s degree in Finance, Accounting, or a related discipline
  ; CFA or CPA is a strong asset.
• 3–5 years of experience in financial services, with a focus on credit analysis or corporate lending
  .
• Strong command of financial statement analysis and credit modeling techniques.
• Familiarity with sectors such as energy, manufacturing, real estate, or syndicated loans is preferred.
• Excellent communication skills in English and Mandarin
  .
• Proficiency in Microsoft Excel and credit risk systems.
• Ability to manage multiple priorities, work independently, and meet tight deadlines.

Bank of China (Canada) is committed to fostering an inclusive workplace where diversity is valued. We encourage qualified candidates from all backgrounds to apply. Please note that only those selected for further consideration will be contacted.

Accommodation: Bank of China (Canada) is committed to providing accommodations throughout the recruitment process. If you require any accommodations, please contact the HR team and we will be happy to assist.