Credit Risk Analyst

About The Company

Farm Credit Canada (FCC) is a federally owned Crown corporation dedicated to supporting Canadian agriculture and food sectors. With a mission to build strong relationships, share knowledge, and provide essential financial services, FCC plays a vital role in fostering the growth and sustainability of the agricultural industry across Canada. Serving over 103,000 customers nationwide, FCC offers a comprehensive suite of financing solutions, knowledge resources, and business management software tailored to meet the unique needs of farmers, agribusinesses, and food processors. As an organization committed to innovation, integrity, and excellence, FCC strives to create a positive impact on the agricultural community while maintaining a focus on responsible and sustainable growth.

About The Role

We are seeking a highly skilled and analytical Senior Credit Risk Analyst to join our Capital Quantification team. In this pivotal role, you will independently lead complex analytical projects that influence FCC’s understanding and management of credit risk, capital allocation, and risk-adjusted performance. Your expertise will help shape strategic decisions related to new products, portfolio risk management, and overall financial health. As a subject matter expert, you will collaborate with cross-functional teams including Risk, Finance, Operations, and Core Banking to translate complex risk models into clear, actionable insights for senior leadership. Your work will directly impact FCC’s ability to identify emerging risks, evaluate portfolio vulnerabilities, and optimize growth opportunities while maintaining financial stability.

This position offers an opportunity to work in a dynamic environment where technical proficiency, industry knowledge, and strategic thinking are highly valued. The role is suitable for professionals who thrive on solving complex problems, influencing organizational risk appetite, and fostering a culture of continuous learning and improvement.

Qualifications

The ideal candidate will possess a strong educational background in finance, economics, mathematics, statistics, computer science, or a related quantitative discipline. Extensive experience in credit risk management, capital management, or advanced analytics within a financial institution is essential. Familiarity with expected loss calculations, economic capital, and portfolio credit risk concepts is required, along with a deep understanding of how IFRS 9 and OSFI's Capital Adequacy Requirements (CAR) influence risk measurement and governance.

Proficiency in analytical tools such as SAS, Python, or similar programming languages, combined with experience in data visualization tools like Power BI or QuickSight, is necessary. The candidate should demonstrate excellent problem-solving skills, the ability to work independently on complex and ambiguous problems, and strong interpersonal skills to influence and collaborate across teams. A demonstrated commitment to continuous learning and professional development is highly valued.

Preferred qualifications include experience within the agriculture or agri-food sector, which will be considered an asset but is not mandatory.

Responsibilities

• Analyze credit risk and capital impacts, including expected loss and economic capital assessments, for new products, programs, and strategic initiatives, ensuring reasonability and conducting sensitivity analyses.
• Lead end-to-end analytical projects independently, from problem framing to delivering clear and actionable recommendations to stakeholders.
• Identify trends, concentrations, and emerging vulnerabilities within FCC’s loan portfolio by analyzing large and complex datasets.
• Develop and interpret forward-looking scenarios and stress testing analyses to support internal capital adequacy assessments, planning, and senior management discussions.
• Translate technical model outputs into understandable insights that facilitate informed decision-making across the organization.
• Facilitate discussions about capital, profitability, and risk-adjusted performance, ensuring alignment with strategic objectives.
• Partner closely with Risk, Finance, Operations, and Core Banking teams to ensure analytical relevance, clarity, and actionable outcomes.
• Recommend improvements to data quality, analytical methodologies, and reporting frameworks to enhance organizational capabilities.
• Provide leadership, mentorship, and coaching to junior analysts, fostering a culture of curiosity, rigor, and continuous improvement within the team.

Benefits

FCC offers a competitive total rewards package that includes market-aligned and performance-based salary structures, incentive programs, and comprehensive group benefits. Employees have access to flexible savings plans, wellness programs, and support for their overall well-being. The organization promotes a purpose-driven work environment where employees contribute to the growth of Canada’s agricultural sector while enjoying opportunities for personal and professional development. FCC also provides hybrid work options, allowing employees to balance their work and personal lives effectively. The company is committed to fostering an inclusive and supportive workplace that values diversity and encourages continuous learning and innovation.

Equal Opportunity

Farm Credit Canada is an equal opportunity employer dedicated to creating an inclusive, equitable, and accessible workplace. We value diversity and believe that a workforce reflecting various backgrounds, abilities, and perspectives enhances our organizational strength. We encourage applications from qualified individuals, including Indigenous Peoples, visible minority groups, persons with disabilities, and women. If you require accommodations during any stage of the recruitment process, please contact us via email. We are committed to providing a respectful and accessible experience for all candidates, and information related to accommodation requests will be handled confidentially and will not impact hiring decisions.