Duration: 12 Months contract with possible extension into 2027

Job Description:

Shift: 40 hours per week

Senior Advisor - Credit Risk

- Based in Montreal - minimum 3 days per week in office
- Bilingual (Eng/Fr) candidates preferred. We would accept English-only candidates. Strong English REQUIRED.

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.

About you

To be successfully considered for this role, you will have:

- Degree in business studies and/or finance accounting. A post graduate degree (MBA, CPA, CFA or equivalent) and robust quantitative skills would be advantageous.
- Minimum of 5 years of relevant experience (gained as Credit Risk / Financial Analyst) in commodity trading or metals & mining environment.
- Working knowledge of trade finance solutions, trade credit insurance and parental/corporate guarantees.
- Strong portfolio, analytical and financial analysis skills with ability to communicate final credit decisions and recommendations, both in writing and verbally.
- Team player,



mature and able to work independently with minimal supervision and very strong stakeholder management skills.
- Strong PC skills, Advanced Excel and working experience with SAP, S&P; CIQ. Python programming and Power BI skill a plus

About our Company: -

22nd Century Technologies, Inc., is one of the fastest growing IT Service Integrator and Workforce Solution companies in the United States. Founded in 1997, 22nd Century Technologies is a Certified National Minority Business Enterprise with 6,000+ people including 600+ Cyber SMEs nationwide supporting our customers in all 50 states, Canada, and Mexico. With HQs in Somerset, NJ and Mclean, VA, 22nd Century has 14 offices throughout the United States. As part of our unrelenting focus on quality and compliance, 22nd Century Technologies’ delivery is based on Certified Matured Processes including CMMI L3 Dev & SVC, ISO 20000, ISO 27001, and ISO 9001 quality processes. With a strong focus on the public sector, 22nd Century currently holds government contracts with 14 out of 15 Federal Executive agencies including DoD, 37 other Federal agencies, 50 States, 115+ Local agencies, and 37 School Districts. In the last three years, we have expanded our services to Fortune 500 and other commercial clients and currently support 80+ commercial clients.

Recognized among “Best Company to Work For” by Forbes, 22nd Century Technologies, Inc., consistently exceeds our clients’ expectations by focusing on their absolute satisfaction with jobs while keeping our employees motivated.

“22nd Century Technologies is an Equal Opportunity Employer" and “US Citizens & all other parties authorized to work in the US are encouraged to apply."

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.

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Pay: $72.00 per hour

Experience:

- Credit Risk / Financial Analyst: 5 years (required)

Language:

- French (required)

Work Location: In person

📌 Credit Risk Analyst - Hybrid (Montreal)
🏢 22nd Century Technologies
📍 Montreal