Senior Credit Risk Analyst

Attendance

Hybrid

Job number

30284

Category

Intermediate Professional

Status: Permanent

Type of Contract

Permanent

Schedule: Full-Time

Full Time / Part Time?

Full-Time

Posting date

22-Jan-2026

Area(s) of interest: Risk management

Location(s): Toronto

A career as a senior credit risk analyst in the Credit Risk Analytics team at National Bank means contributing as a specialist in IFRS‑9 reporting, modelling and analytics. This role allows you to have a positive impact on the organization thanks to your experience in credit risk modelling, your ability to navigate regulatory requirements, and your strengths in complex data analysis.

Your role

Operate and maintain IFRS‑9 expected credit loss (ECL) reporting processes to ensure timely and accurate results
Validate process inputs and outputs to uphold quality control and governance standards
Conduct analyses of IFRS‑9 results and identify key drivers behind ECL movements
Prepare ECL materials and insights for internal partners, external auditors and regulatory stakeholders
Assess IFRS‑9 impacts related to recalibration, scenario changes, model updates, data migration and process improvements
Support IFRS‑9 and stress testing model development, backtesting, and performance monitoring

Your team

The Credit Risk Analytics sector brings together 24 specialists who work collaboratively and proactively to stay at the forefront of risk modelling, reporting and regulatory expectations.

Within this sector, you are part of a large team of colleagues and you report to the Senior Director. Our team stands out for its expertise in IFRS‑9 modelling, stress testing and implementation, as well as its rigorous risk reporting processes. At times, certain deliverables fall within month‑end or quarter‑end reporting cycles, which can require operating under tight deadlines. We aim to offer you maximum flexibility to support your well‑being through a hybrid work environment and adaptable scheduling.

National Bank values continuous development and internal mobility. Our tailored training programs, based on learning through action, help you deepen your skills and explore new expertise. Tools such as the Data Academy, language training, the Harvard Learning Center, coaching and mentoring are accessible to you at all times.

Prerequisites

Master’s degree in a relevant field such as Financial Engineering, Finance, Economics, Statistics, Mathematics, Computer Science or Data Science or any related degree in the field
2–3 years of relevant experience in risk management or credit risk analytics
Hands‑on experience manipulating, interpreting and reconciling large‑scale datasets
Knowledge of IFRS‑9 and related regulatory expectations
Practical experience using SAS, Python, SQL and advanced Excel
Experience supporting model development, backtesting or performance monitoring

Languages:

English

Skills

Artificial Intelligence Communication Diversity & Inclusion Machine Learning Risk Analysis Risk Management Teamwork Cybersecurity Detail-oriented Empathy Initiative Learning Agility Resiliency Analytical thinking Self-Sufficiency

Your benefits

In addition to competitive compensation, upon hiring you’ll be eligible for a wide range of flexible benefits to help promote your wellbeing and that of your family.

* 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

* Opportunities to get involved in community initiatives

* Telemedicine service

* Virtual sleep clinic

These are a few of the benefits available to you. We have an offer that keeps up with trends as well as your needs and those of your family. 

Our dynamic work environments and cutting-edge collaboration tools foster a positive employee experience. We actively listen to employees’ ideas. Whether through our surveys or programs, regular feedback and ongoing communication is encouraged.

We're putting people first

We're a bank on a human scale that stands out for its courage, entrepreneurial culture, and passion for people.   Our mission is to have a positive impact on peoples' lives. Our core values of partnership, agility, and empowerment inspire us, and inclusivity is central to our commitments. We offer a barrier-free workplace that is accessible to all employees. 

We want our recruitment process to be fully accessible. If you require accommodation, feel free to let us know during your first conversations with us. We welcome all candidates! What can you bring to our team?

Come live your ambitions with us!

Apply

For an environment that supports your career path

There are many varied opportunities for you to progress and develop, and move ahead in your career. This includes on-the-job learning and training, co-development and pairing with other employees, professional support and mentoring, internal career days or discussion forums with our leaders.

For an inclusive and diverse environment

We foster inclusion in an environment where each person’s unique qualities, whether visible or invisible, are celebrated and valued. We welcome all candidates! What can you bring to our team?