Work Arrangement: Hybrid – Minimum 3 days per week in office
Contract: Initial 3-month contract with possible extension into 2027
Language: Strong English required; bilingual English/French preferred
Pay Rate: $65/hr. (Negotiable)
Job Summary
- We are seeking a Senior Advisor – Credit Risk to support credit risk analysis, portfolio management, credit monitoring, reporting, and credit risk projects. The successful candidate will work closely with Business Units, Sales & Marketing, Finance, Legal, insurers, brokers, and other risk teams to identify and mitigate credit risks while supporting commercial objectives.
Key Responsibilities
Credit Risk Analysis & Portfolio Management
- Analyze qualitative and quantitative data on new and existing counterparties to determine and recommend credit ratings, credit limits, payment terms, and credit solutions.
- Manage assigned counterparty portfolios, including credit reviews, exposure queries, limit availability checks, onboarding requests, credit block releases, and credit alerts.
- Manage counterparty relationships in collaboration with Business Units/Project Groups, including onboarding, non-payment/default situations, and other credit-related events.
- Assess complex transactions with Business Units/Project Groups and cross-functional teams to develop appropriate credit solutions and establish proper credit rights and contractual terms.
- Liaise with credit insurers, brokers, Legal, Finance, and other risk teams to implement credit management measures, including security arrangements, payment terms, credit rights, and triggers.
- Collaborate with Sales & Marketing teams to develop solutions that enhance sales value through term extensions while identifying and mitigating associated risks.
- Support and advise the Commercial organization on strategic and operational initiatives to achieve cash targets, enhance margins, and improve process efficiency.
Credit Monitoring & Reporting
- Monitor the assigned portfolio daily using available tools, resources, and market intelligence.
- Identify and promptly communicate adverse credit news and provide early risk alerts regarding potential credit events.
- Maintain close communication with Business Units/Project Groups to understand portfolio risk factors, industries, and counterparties.
- Monitor adherence to credit limits and report credit control breaches.
- Prepare, review, and validate credit management reports, including sales forecasts, credit exposure, accounts receivable aging, and excess monitoring reports.
- Ensure credit processes comply with applicable governance frameworks and that appropriate documentation and reporting processes are maintained.
- Prepare presentations for credit committees and develop insightful analytics and tools to support business decisions.
Credit Risk Systems & Projects
- Utilize credit risk and accounting systems for credit risk management and administration, including SAP and S&P Capital IQ (CIQ).
- Lead and drive standardization, automation, and continuous improvement of credit-related processes.
- Initiate and participate in credit risk system enhancements and reporting initiatives, including credit dashboards and excess reporting.
- Participate in or lead cross-functional, Business Unit, and Project Group projects as required.
Qualifications & Requirements
- Bachelor's degree in Business, Finance, Accounting, or a related discipline.
- Postgraduate qualification such as MBA, CPA, CFA, or equivalent is an advantage.
- Minimum 5 years of relevant experience in Credit Risk or Financial Analysis, preferably within a commodity trading or metals & mining environment.
- Working knowledge of:
- Trade finance solutions
- Trade credit insurance
- Parent/corporate guarantees
- Strong portfolio management, analytical, quantitative, and financial
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About our Company: -
22nd Century Technologies Inc., (TSCTI) is one the fastest growing healthcare staffing companies in the United States. With presence in all 50 States and 6000+ employees nationwide, we have been providing unparallel healthcare and technology staffing services to Public and Private sectors for over 26 years.
Started as a technology staffing company in 1997, we have significantly expanded our healthcare practice to both Clinical and Non-Clinical staffing, serving various facilities, healthcare organizations and government agencies. Our ISO certified staffing practices and technology driven staffing procedures – from recruitment to onboarding, along with an internal pre-vetted resume database of healthcare professionals, enable us to serve our customers with their immediate staffing needs.
TSCTI has extensive experience providing Physicians, Nurses, Pharmacists and other Allied Health professionals to various states – California, Connecticut, District of Columbia, Florida, Michigan, Minnesota, New Jersey, New York, Texas, Vermont, Virginia to name a few, and Our valued relationships with employees as well as commitment to meet and exceed clients’ expectations through our exemplary employees proves our competency in today’s healthcare staffing industry.
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.
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.
Pay: $65.00 per hour
Experience:
- Credit Risk or Financial Analysis: 4 years (required)
- Commodity trading or metals/mining: 4 years (required)
Language:
- English (required)
- French (preferred)
Work Location: In person
