Ebury is a global fintech firm dedicated to empowering businesses to expand internationally through tailored and forward-thinking financial solutions. Since our founding in 2009, we’ve grown to a diverse team of over 1,700 professionals across 40+ offices and 29+ markets worldwide. Joining Ebury means becoming part of a collaborative and innovative environment where your contributions are valued. You’ll play a key role in shaping the future of cross-border finance, while advancing your own career in a dynamic, high-growth industry.

YOUR BACKGROUND:

We don’t conduct our credit analysis via a tick box exercise and we believe the same should be true of the people we hire. Below is simply an example of the background we are looking for:

• A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity’s creditworthiness;
• A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way;
• A solid understanding of Canadian accounting principles;
• An understanding of FX markets and associated vanilla products;
• An ability to work in Excel in a professional setting.
• Have a high level of proficiency in communication in both English and French.

YOUR ROLE:

We are building out our Credit Risk function here in Toronto, Ebury’s main Canadian office, and you will be one of the first analysts dedicated to one of our most important geography.
Our lending is powered by business insight. The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling.
You will be expected to prepare a submission to our Credit Committee with analysis and recommendations, as well as contribute to the development of automated risk modelling and adapt our processes to local markets.
The key is to add qualitative insight to credit decisions, including granting lines, monitoring them, and pursuing collections.

YOUR SPECIFIC RESPONSIBILITIES:

• Support, and report to, the Country Head of Credit Risk;
• Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk;
• Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles;
• Present and defend your analysis personally at credit committee meetings to senior management, including C-Suite;
• Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly;
• Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury;
• Proactively manage your own pipeline of work;
• Liaising with managers across our other geographies to add insight or assist where necessary;
• Share your thoughts to improve our processes.