Senior Credit Analyst

A career as a Senior Credit Analyst/Credit Analyst in the team of Risk Management, at China Construction Bank Toronto Branch is to act as a credit specialist. This job allows you to have a positive impact on our organization through your expertise in financial analysis, credit structuring, and risk management in a corporate lending environment . Key Tasks Prepare credit risk reviews and recommendations on credit applications/proposals, including but not limited to internal risk ratings, credit line and credit business. Analyze financial statements and cash flow projections to assess clients’ creditworthiness and risk levels. Provide research and analysis of a borrower-specific and industry-wide business risks. Ensure adherence to credit standards, security requirements, internal policies and risk appetite and regulatory guidelines in all lending activities. Collaborate with partners in corporate banking and risk to support lending decisions and client strategies. Perform portfolio reviews and identify early warning signs of existing customers and ensure accuracy of internal ratings and risk classifications. Responsible for key industry studies and preparing industry research reports. Other tasks assigned by Head of Risk Management Department Direct Reporting Line: Head of Risk Management Department Prerequisites: Hold a bachelor’s degree in business or a related field and at least 5 years of experience in commercial and corporate lending. Demonstrated experience in credit analysis, adjudication, and risk management. Proven ability to analyze financial statements and build cash flow models. Knowledge of corporate lending practices and credit structuring. Ability to maintain a high level of discretion and professionalism in all interactions. Skills: Analytical thinking Collaboration and teamwork Growth mindset and motivation Strong oral and written communication in English; Mandarin and simplified Chinese an asset Familiarity with PC based applications with a solid working knowledge of Microsoft Office Suite (Word, Excel, Powerpoint, Access) Detail oriented, organized, and proficient time/project management

Location: Toronto, Ontario, CA

Posted Date: 11/5/2025