Salary: Our salaries generally range from $86,816.59 to $108,520.74 and are based on qualifications and experience.

Benefits

Annual Paid vacation.

Annual individual performance incentive.

Defined benefit pension plan.

Comprehensive group insurance plan to support your well-being from day one.

Support towards your personal and professional growth with training, mentorship and more.

An inclusive workplace culture and environment.

While positions at CMHC require some in-office presence, alternative work arrangements may be considered for Indigenous candidates.

About the Role
Join the Financial Services team, in the Specialist, Credit Analysis position. In this role, you will play a key part in assessing the creditworthiness of existing and prospective counterparties to support CMHC’s credit risk framework. You will conduct ongoing credit and financial analyses, while providing advice and recommendations to support informed decision making. Your ability to identify emerging risks through research, analysis, and stakeholder engagement will be critical in helping CMHC deliver housing affordability solutions for Canadians.

What You’ll Do

Perform complex financial analyses of rated and non-rated financial entities, as well as other counterparties, related to CMHC’s securitization, outsourcing, investment, hedging, and/or mortgage loan insurance activities.

Prepare proposals and recommendations regarding investment limits and borrower financial strength, and assign internal credit ratings to counterparties based on the results of financial reviews.

Provide ad hoc financial analysis in support of corporate initiatives.

Ensure appropriate systems are in place to support effective and efficient credit risk analysis.





Establish and maintain professional relationships with key corporate client leaders and other relevant stakeholders to develop a thorough understanding of their operations and operating environment.

Evolve and implement CMHC’s credit risk policies and procedures.

What You Should Have

An undergraduate degree in accounting, finance, economics, or related field.

A minimum of five (5) years of experience in credit, with a focus on fundamental and/or investment analysis, and progressively increasing responsibilities related to key business outcomes.

Experience using market information and analysis systems, such as Bloomberg, Reuters, and S&P; Capital IQ.

A strong understanding of financial statements and generally accepted accounting principles.

Strong oral and written communication skills, including presentation skills.

A demonstrated ability to take initiative and work effectively both independently and within a team workplace.

Excellent organizational skills, with the ability to prioritize tasks and perform effectively in a fast-paced, multi-demand environment.

It Would Be Great If You Also Had

A Chartered Financial Analyst (CFA), Financial Risk Manager (FRM), or Chartered Professional Accountant (CPA) designation.

Experience with Wallstreet Suite.

Bilingualism (French and English).

Our commitment to diversity, equity, and inclusion: We’re committed to employment equity and encourage women, Indigenous Peoples, persons with disabilities, veterans and persons of all races, ethnicities, religions, abilities, sexual orientations, and gender identities and expressions to apply. We also welcome applications from non-Canadians who are eligible to work in Canada. CMHC is an inclusive workplace where diversity of thought – and of people – are recognized, valued, and considered essential to achieving our mission.

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📌 Specialist, Credit Analysis (Quebec City)
🏢 Canada Mortgage and Housing Corporation (CMHC) Société canadienne d'hypothèques et de logement(SCHL)
📍 Quebec City