Specialist, Capital Adequacy & Portfolio Risk

We are banking at another level.

Choosing BDC as your employer means working in a healthy inclusive and skilled workplace that puts forward the best conditions to bring together unique teams where employees are empowered to act. It also means being at the centre of ambitious economic and financial projects to see further and to do things differently to fuel the success of Canadian entrepreneurs.

Choosing BDC as your employer also means:

• Flexible and competitive benefits including an Employee Savings and Investment Plan where BDC matches part of your voluntary contributions a Defined Benefit Pension Plan a $750 wellness and health care spending account to name a few

• In addition to paid vacation each year five personal days sick days as necessary and our offices are closed from December 25 to January 1

• A hybrid work model that truly balances work and personal life

• Opportunities for learning training and development and much more...

Explore the BDC Way in our Culture Book

POSITION OVERVIEW

At BDC the only bank dedicated exclusively to Canadian entrepreneurs this role supports senior management with high-quality analysis on capital adequacy and portfolio risk. You will connect macroeconomic drivers to portfolio performance assess risk-adjusted returns and deliver forward-looking insights. Your work contributes directly to the sound management of portfolios that support the growth of Canadian businesses.

CHALLENGES TO BE MET

• Provide independent portfolio monitoring and escalate key risk issues to management including analysis of delinquency downgrades provisions pricing and concentration risks.
• Assess and communicate the impact of regulatory capital requirements (Basel framework) and internal capital metrics to stakeholders.
• Analyze profitability of financial products (loans and investments) on a risk-adjusted basis and link risk drivers to financial performance.
• Ensure data integrity and produce monthly and quarterly risk reports with actionable insights on portfolio trends.
• Conduct scenario analyses and forecasts to support strategic positioning and alignment with the organizations risk appetite.
• Respond to ad hoc analytical requests using relevant data sources and sound methodologies.
• Recommend and implement process improvements including automation and enhancements to data quality.
• Lead or contribute to projects involving development of portfolio risk tools systems and pilot initiatives.
• Stay informed on industry best practices regulatory changes and internal developments affecting portfolio risk management.

WHAT WE ARE LOOKING FOR

Required Qualifications

• 7 to 10 years of experience in a financial institution in risk management credit risk or financial analysis.
• Experience with regulatory capital frameworks: Basel (Pillar I and II) OSFI Capital Adequacy Requirements and guidelines E-18 and E-19.
• Experience analyzing credit risk portfolio performance using key risk indicators (e.g. delinquency default rates provisions concentration risk).
• Ability to analyze and interpret financial product profitability on a risk-adjusted basis.
• Experience preparing portfolio monitoring reports (monthly/quarterly) and presenting insights to management.
• Ability to validate and ensure data integrity across multiple data sources.
• Strong analytical skills with ability to connect macroeconomic variables to portfolio performance.
• Proficiency in Microsoft Office Suite (Excel PowerPoint) and Power BI.
• Ability to manage multiple priorities meet tight deadlines and work under pressure.
• Strong written and verbal communication skills in both French and English.
• Undergraduate degree in Finance Accounting Economics or another quantitative discipline.

Preferred Qualifications

• Knowledge of database structures and querying tools: SQL Python Databricks DAX VBA.
• Experience in developing or implementing risk management tools or analytical systems.
• Knowledge of the Canadian banking market and business financing products.
• Experience working with portfolios such as Growth & Transition Capital Venture Capital Wholesale Financing Community Banking or Credit Availability Programs.
• Masters degree in a relevant discipline.
• Professional designations such as CFA (Chartered Financial Analyst) or FRM (Financial Risk Manager).

#INDHP

Proudly one of Canadas Top 100 Employers and one of Canadas Best Diversity Employers we are committed to fostering a diverse equitable inclusive and accessible environment where all employees can thrive and feel empowered to bring their whole selves to work. If you require an accommodation to complete your application please do not hesitate to contact us at .

While we appreciate all applications we advise that only the candidates selected to participate in the recruitment process will be contacted.

Required Experience:

IC

Employment Type : Full-Time
Experience: years
Vacancy: 1