Northpoint Commercial Finance - Backed by Laurentian Bank

With Northpoint's foundation and reputation in the industry built, Laurentian Bank, which has been in business for over 170 years, acquired Northpoint Commercial Finance in 2017. With over $45 billion in assets, a solid cultural alignment and variety of financing solutions, Laurentian Bank ensures stability for the foreseeable future while allowing Northpoint Commercial Finance to maintain its personal, flexible approach.

Northpoint Commercial Finance offers businesses across North America personal, flexible financing options such as inventory finance, equipment finance and asset-based lending to support their business growth needs.

Reporting to the Assistant Vice President, NCF EF Credit, the incumbent is responsible for the analysis, recommendation and/or approval, within their delegated authority, of various equipment financing requests submitted by the business lines. These financings cover a range of industries, including construction, transportation and aviation, and are offered to customers across Canada and the United States.

The incumbent is also responsible for reviewing requests to establish agreements with various transaction referral sources and for assessing the associated credit risk based on the nature and structure of each arrangement. In addition, the incumbent contributes to the ongoing monitoring and management of credit risk, as well as to the development and enhancement of credit policies and procedures. The incumbent also supports the Business Development teams in interpreting credit policies and in preparing and structuring their recommendations.

More broadly, the NCF EF Credit team is responsible for the approval, review,



monitoring and management of credit risk associated with equipment financing across various industries, including construction, transportation, aviation and information technology. The team is also responsible for developing and applying credit practices, policies and procedures designed to appropriately manage and mitigate the risks inherent in these financing activities.

Responsibilities

- Analyze, approve and/or decline equipment financing requests and amendments to existing facilities, in accordance with delegated approval authorities.
- Develop and recommend strategies to manage troubled accounts and mitigate credit risk.
- Proactively identify accounts presenting increased risk, assess key issues and recommend appropriate actions to support remediation or limit risk exposure.
- Participate in the development, update and communication of credit policies, guidelines and procedures, ensure their proper application, and respond to information requests from the business lines.
- Recommend improvements to processes, operational efficiency and credit risk management practices.
- Analyze and resolve complex situations by exercising sound judgment and drawing on multiple sources of information, in-depth credit expertise and an understanding of related disciplines.
- Act as a resource and subject matter expert for less experienced colleagues and business partners by providing guidance,



support and credit expertise.
- Lead projects or projects workstreams related to credit, risk management or process improvement, including as part of broader initiatives.
- Agir à titre d’expert auprès des lignes d'affaires dans l'interprétation des politiques et procédures de crédit et, au besoin, dans la préparation de leurs diverses recommandations.
- Perform the appropriate follow-ups arising from business line audit and review reports and ensure that corrective measures are implemented where required.
- Maintain current knowledge of economic conditions, developments within the industries covered by NCF EF, the competitive environment, and market trends that may impact credit risk.

Qualifications

- University degree at the undergraduate or graduate level in Business Administration, with a specialization in Finance or Accounting.
- More than seven years of relevant banking experience in the development, analysis, approval and/or management of an equipment/commercial and/or real estate loan portfolio.
- Good knowledge of the Bank Act, applicable equipment financing laws and regulations in Canada and the United States, and bankruptcy legislation.
- Strong analytical and synthesis skills, sound negotiation abilities, and good judgment.
- Strong written and verbal communication skills in French and English.
- Team-oriented, autonomous and disciplined, with a strong commitment to continuous improvement.
- Demonstrates a high level of integrity and a strong reputation for sound governance and professional ethics.
- Knowledge of banking credit policies is an asset.
- Proficiency in both French and English is considered an ass

📌 Senior Manager (Montreal)
🏢 Laurentian Bank
📍 Montreal