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, your work contributes directly to the success of small and medium-sized businesses across the country.
As Senior Director, Loan Writing – Credit Risk Management, you are responsible for credit due diligence, risk analysis, and authorization of loan proposals of moderate to high complexity. You produce high‑quality loan proposals that meet BDC’s credit risk standards while ensuring compliance with established policies and procedures. At BDC, you can be yourself at work in an inclusive environment that values expertise, collaboration, and impact.
CHALLENGES TO BE MET
Prepare and approve, comprehensive, well-structured loan proposals by conducting detailed financial analysis, appropriate investigations, and thorough due diligence for moderately to highly complex credit files.
Define and recommend credit terms, pricing, repayment structures, and covenants, ensuring rigorous credit analysis, sound risk assessment, and strong account management practices.
Review loan documentation and, when required, negotiate transaction structures with internal partners (DC, DCA, CRM) to ensure compliance with BDC policies and procedures.
Contribute to the resolution of compliance issues or significant changes arising during transaction negotiation and structuring.
Develop balanced, win‑win solutions for both the client and BDC by applying sound judgment, creativity, and problem‑solving skills.
Build and maintain strong working relationships with business centre colleagues and internal partners to promote teamwork, alignment on common objectives, and consistent application of credit policies.
Stay current on changes to credit policies, procedures, and processes, as well as emerging credit and regulatory trends that may impact BDC.
Provide coaching to new employees, act as a mentor, and actively contribute to knowledge transfer within the team.
WHAT WE ARE LOOKING FOR
Required Qualifications
Bachelor’s degree in Commerce, Business Administration, or Accounting.
Minimum five (5) years of relevant experience in credit analysis, loan writing, or a related financial role.
Proven experience preparing and writing loan proposals.
Demonstrated ability to analyze and negotiate financial transactions.
Strong credit judgment and in‑depth understanding of credit risk policies and practices.
Effective communication skills, with the ability to interact and negotiate with internal partners and, occasionally, with clients.
Strong time management skills and ability to prioritize work to meet critical deadlines.
Solid business acumen.
Strong teamwork skills and a clear understanding of small business dynamics.
Preferred Qualifications
Professional accounting designation (CPA) or CFA designation.
Previous experience in the banking or financial services industry.
In‑depth knowledge of BDC products, services, policies, processes, and procedures.
Experience providing coaching, mentoring, or informal leadership within a team.
Proudly one of Canada’s Top 100 Employers and one of Canada’s 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 accessibility@bdc.ca.
While we appreciate all applications, we advise that only the candidates selected to participate in the recruitment process will be contacted.