Associate Director, Execution, National Client Group

A career as an Associate Director, Execution with the National Client Group, Ontario means joining a high-performing team dedicated to delivering relevant and timely financial solutions that support the growth of some of Canada's leading businesses. We are collaborative professionals who work together to provide financing solutions to large private companies, public corporations and private equity-backed businesses across a broad range of industries.

Based in Toronto, Ontario, and reporting to the Director & Team Lead, Credit Execution, NCG, you will be responsible for preparing and presenting credit recommendations, managing a complex portfolio and transaction responsibilities, coordinating with internal and external stakeholders, supporting portfolio oversight activities and contributing to the development of junior team members through mentorship and guidance. In this role you will further strengthen the technical expertise, execution capabilities and credit judgment required to manage increasingly sophisticated financing opportunities.

This position represents a senior Credit Execution role within National Client Group, Ontario and provides the opportunity to independently execute complex underwriting and transaction activities while further demonstrating seasoned credit judgment and continuing to develop leadership and mentoring capabilities.

Working hours are dictated by portfolio and transaction demands under a hybrid work environment with both days in the office and at home. Occasional travel for client and team meetings will be required.

Your Job

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• Independently execute complex underwriting responsibilities across an assigned portfolio of clients, including annual reviews, renewals, amendments, borrower risk assessments and ongoing portfolio monitoring.
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• Prepare and review complex credit analysis, financial models, borrower risk ratings and underwriting materials supporting both new financing opportunities and existing client relationships.
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• Develop, present and defend well-reasoned credit recommendations for complex financing opportunities, amendments, annual reviews and other portfolio requests.
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• Exercise seasoned credit judgment in assessing borrower performance, identifying emerging risks and recommending appropriate risk mitigation strategies.
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• Manage complex transaction responsibilities, including due diligence activities, documentation review, stakeholder coordination and closing support.
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• Engage directly with Credit Risk Management regarding complex credit matters and incorporate feedback into transaction structures and approval materials.
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• Participate in transaction structuring discussions involving leverage, covenant design, collateral packages, intercreditor considerations and other credit-risk mitigation measures.
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• Work closely with clients, financial advisors, private equity sponsors, legal counsel and internal banking partners to support the execution of financing transactions.
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• Support broader portfolio oversight activities through identification of emerging credit trends, risk considerations and portfolio quality matters across National Client Group, Ontario.
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• Provide mentorship, guidance and technical support to Analysts and Associates on underwriting, portfolio management and transaction execution best practices.
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• Support Directors and the Head of Credit Execution, Ontario in reviewing complex credit situations and assessing portfolio risk matters.
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• Leverage Excel, Copilot and other productivity tools to improve analytical quality, underwriting efficiency, portfolio management and transaction execution processes.
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Your Team

National Client Group, Ontario serves some of Canada's largest and most sophisticated clients across a broad range of industries. Our team distinguishes itself through its expertise in complex financing transactions, strong client relationships and collaborative approach to delivering tailored banking solutions. The portfolio consists of large private businesses, small to medium-sized public companies and private equity-backed organizations operating across diversified industries and financing structures.

As an Associate Director, you will collaborate closely with senior professionals while independently executing complex underwriting, portfolio management and transaction responsibilities. You will provide valuable support to portfolio oversight activities, serve as an experienced execution resource on complex financing opportunities and contribute to the development of junior team members through mentorship and guidance.

National Client Group is committed to supporting professional growth through a combination of formal training, mentorship and hands-on experience. This position offers a clear pathway toward more senior roles while providing exposure to a broad range of commercial banking, financing and advisory activities. You will continue to strengthen the technical expertise, credit judgment and leadership capabilities required to manage increasingly complex transactions and responsibilities.

Prerequisites

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• Bachelor's degree in accounting, business, economics, finance or a related field.
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• 5 to 8 years of experience in commercial banking, corporate banking, leveraged finance, corporate finance, credit underwriting, financial advisory or a related field.
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• Progress toward completion of, or completion of, professional designations such as CFA, CPA or CBV is considered a strong asset.
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• Demonstrated experience independently performing complex credit underwriting, financial modeling, borrower risk assessments and preparation of credit submissions for corporate or upper mid-market clients.
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• Strong understanding of financial statement analysis, cash flow lending, credit structuring, syndicated and bilateral financing transactions and complex capital structures.
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• Experience independently managing annual reviews, amendments, renewals, portfolio monitoring activities and complex transaction responsibilities.
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• Ability to analyze complex situations, exercise seasoned credit judgment and formulate well-reasoned credit recommendations, including assessment of legal documentation, transaction structures and key credit and business risks.
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• Experience coordinating due diligence activities and working with multiple internal and external stakeholders throughout transaction execution processes.
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• Demonstrated proficiency using Excel, Word, PowerPoint, Copilot and other productivity tools to support underwriting, portfolio management and transaction execution activities.
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• Strong organizational skills with the ability to independently manage multiple priorities and deadlines in a fast-paced environment.
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• Experience providing mentorship, guidance and technical support to junior team members.
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• Strong interpersonal, written and verbal communication skills with an ability to establish credibility with senior internal stakeholders, clients, external advisors and Credit Risk Management.
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Languages: English
Required skills: Accountability, Client-focused, Communication, Emotional Intelligence, Learning Agility, Listening, Teamwork

Your benefits
In addition to competitive compensation, upon hiring you’ll be eligible for a wide range of flexible benefits to help promote your wellbeing and that of your family such as:

* Health and wellness program, including many options
* Flexible group insurance
* Generous pension plan
* Employee Share Ownership Plan
* Employee and family assistance program
* Preferential banking services
* Involvement in community initiatives
* Telemedicine service
* Virtual sleep clinic

We have an offer that keeps up with trends as well as your needs and those of your family.

Our dynamic work environments and cutting-edge collaboration tools foster a positive employee experience. We value employees’ ideas. Whether through our surveys or programs, regular feedback and ongoing communication are encouraged.

Making a bold move in a people-first environment
We’re a bank on a human scale that stands out for its courage, entrepreneurial culture, and passion for people. Our mission is to have a positive impact on people’s lives. Our core values of partnership, agility, and empowerment inspire us, and inclusion is central to our commitments. We aim, wherever possible, to provide a barrier-free and accessible environment to all employees.

We strive to provide accessibility measures throughout the recruitment process within the limits of our available resources. If you require accommodations, feel free to let us know during our initial conversations. We welcome all candidates! What can you bring to our team?

Join us!