About the job

Job Title: Senior Advisor - Credit RiskLocation: Montreal, QCDuration: 03 monthsPay Range: C$(58.00 – 65.00)/hr on T4Hybrid: minimum 3 days per week in office

• Role Summary:Based in Montreal - minimum 3 days per week in office
• Bilingual (Eng/Fr) candidates preferred. We would accept English-only candidates. Strong English REQUIRED.
• Initial contract term is 3 months, with possible extension into 2027

• Credit Risk Analysis and Portfolio Management:Analyse qualitative and quantitative data on new/existing counterparties in order to determine and recommend credit rating, credit limit, payment terms and credit solutions for the counterparty.
• Responsible for management of counterparties under assigned portfolio including credit reviews, queries on potential deals/exposures, checks on limits availability, onboarding requests, credit blocks release and credit alerts.
• Management of counterparty relationship together with BU/PG (e.g., onboarding, non-payment/default and/or any credit related events).
• Assess complex transactions in conjunction with BU/PG & functions with an aim to develop appropriate credit solutions and proper credit rights/terms in contracts.
• Responsible for liaising with credit insurers and brokers, other risk teams and functions (e.g. Legal, Finance) to implement credit management measures (e.g., security arrangements, payments terms, credit rights or triggers).
• Collaborate with Sales & Marketing teams on the formulation of solutions to enhance sales value through terms extension while ensuring risks are identified and mitigated.
• Support, advise and partner with Commercial organization in their strategic and operating initiatives to deliver the cash target, margin enhancement and process efficiencies to the Group.

• Credit Monitoring and Reporting:Monitor assigned portfolio daily using available tools/resources/market intelligence and promptly highlight any adverse credit news within the portfolio and provide early risk alert of credit events.
• Maintain close communication with BU/PG to gain a deep understanding of portfolio, in particular risk factors for the respective industry and counterparties.
• Monitor BU/PG adherence to credit limits and report all credit control breaches.
• Prepare, review and validate credit management reports including sales forecasts, credit exposure, AR aging and excess monitoring as needed by RT, credit insurers and banks.
• Ensure credit processes maintain consistency with relevant governance framework and documents and/or reporting process are in place.
• Prepare presentations for credit committees and insightful analytics/tools for the businesses.

• Credit Risk Systems and Credit Risk Projects:Utilization of various credit risk and accounting systems for credit risk management and administration (e.g., SAP, S&P CIQ).
• Lead and drive standardization and automation of credit related processes and continual improvements for the Credit Risk function.
• Initiate and participate in credit risks system enhancement and reporting needs (e.g., Credit dashboard, Excess reporting)
• Participate or lead in cross functional / BU / PG projects where required.
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