Credit Risk Analyst

About The Company

Farm Credit Canada (FCC) is a prominent federal Crown corporation dedicated to supporting Canadian agriculture and food industries. With a mission to provide financing, knowledge resources, and innovative business management software, FCC plays a vital role in strengthening the agricultural sector across the country. Serving over 103,000 customers nationwide, FCC is committed to fostering sustainable growth, innovation, and resilience within the industry. The organization prides itself on its purpose-driven approach, building strong relationships with clients and stakeholders, and contributing to the prosperity of Canada's agricultural landscape.

About The Role

The Senior Credit Risk Analyst within the Capital Quantification team at FCC is a strategic and analytical position responsible for shaping how the organization understands, measures, and discusses credit risk, capital, and risk-adjusted performance. This role involves leading complex analytical projects independently, providing insights that influence product development, strategic initiatives, and portfolio management. The successful candidate will utilize their expertise to analyze expected loss, economic capital, and forward-looking scenario analysis to identify emerging risks, understand portfolio vulnerabilities, and support decision-making processes at senior levels. Acting as a subject matter expert, the analyst will also mentor team members, influence analytical practices, and contribute to a culture of continuous improvement and data-driven decision-making.

Qualifications

Candidates should possess a degree in finance, economics, mathematics, statistics, computer science, or a related quantitative discipline. Significant experience in credit risk, capital management, or advanced analytics within a financial institution is essential. Familiarity with expected loss models, economic capital, and portfolio credit risk concepts, especially in relation to IFRS 9 and OSFI's Capital Adequacy Requirements (CAR), is required. The role demands strong analytical and problem-solving skills, along with the ability to work independently on complex, ambiguous problems. Proficiency with large datasets and analytical tools such as SAS, Python, and visualization platforms like Power BI or QuickSight is necessary. Excellent communication and interpersonal skills are crucial to effectively influence and collaborate across various organizational functions. Preference will be given to candidates with experience in the agriculture or agri-food sector.

Responsibilities

• Analyze credit risk and capital impacts, including expected loss and economic capital, for new products, programs, and strategic initiatives. Conduct reasonability assessments and sensitivity analyses to inform decision-making.
• Lead end-to-end analytical projects from problem framing to delivering clear, actionable recommendations, ensuring alignment with organizational goals.
• 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 tests to support internal capital adequacy assessments, planning, and senior management discussions.
• Translate complex technical model outputs into straightforward insights that facilitate informed decision-making across departments.
• Facilitate conversations around capital, profitability, and risk-adjusted performance, ensuring clarity and strategic alignment.
• Collaborate closely with Risk, Finance, Operations, Core Banking, and other stakeholders to ensure analytical relevance, clarity, and actionability.
• Recommend improvements to data quality, analytical processes, and reporting frameworks to enhance organizational capabilities.
• Provide leadership, coaching, and mentorship to junior analysts, fostering a culture of analytical excellence and continuous learning.
• Champion best practices in analytics, promote intellectual curiosity, and support ongoing development within the team.

Benefits

FCC offers a comprehensive total rewards package designed to support the well-being and professional growth of its employees. The organization provides market-aligned and performance-based salary structures, along with incentive programs that recognize individual and team achievements. Employees have access to flexible and inclusive group benefits plans, including health, dental, and retirement savings options. FCC emphasizes work-life balance through hybrid work arrangements, allowing employees to enjoy the benefits of both remote and in-office work. The company also invests in learning and development opportunities, encouraging continuous skill enhancement and career progression. Wellness programs and resources are available to promote overall health and resilience, ensuring employees are supported both professionally and personally.

Equal Opportunity

Farm Credit Canada is committed to fostering an inclusive, equitable, and accessible workplace. The organization values diversity and believes that a varied workforce enhances innovation and performance. FCC encourages applications from all qualified individuals, including members of Indigenous Peoples, visible minority groups, persons with disabilities, and women. The company actively supports accessibility and accommodations during the recruitment process. Anyone requiring adjustments or accommodations is encouraged to contact FCC’s HR team, who will respond promptly and work to ensure a fair and inclusive experience. FCC’s commitment to diversity and inclusion is integral to its mission of supporting the Canadian agricultural community and building a stronger, more resilient organization.