Associate, Investments

Credigy

Credigy is a global specialty finance company headquartered in Atlanta GA. As a subsidiary of National Bank of Canada (TSX: NA) we have a broad mandate to invest across asset classes and geographies to achieve strong riskadjusted returns on capital and sustainable growth in average assets and income. We are disciplined longterm value investors with a core focus on model risk and the flexibility to adapt quickly and act opportunistically in evolving market conditions. Lifetodate we have closed more than 350 transactions representing $23 B in total investments. Currently Credigy has $7 B in AUM and National Bank of Canada has $425 B in assets.

Investments Team

Credigy is seeking an Associate to join its Investments team in Atlanta GA. As a consolidated subsidiary of National Bank of Canada Credigy is mandated to deploy capital across various asset classes and geographies. The Investments team at Credigy fulfills this mandate by sourcing structuring and executing bespoke assetbacked lending and asset purchase transactions. Investment asset classes include consumer unsecured loans mortgage and real estate assets small business and other structured products. Transaction structures include forward flows revolvers term loans and bulk portfolio purchases with deal sizes ranging from $ 50MM to $ 1B. In this role the successful candidate will provide direct tactical support to key members of the Investments team throughout the transaction life cycle and be involved in all aspects of transaction due diligence.

Responsibilities:

• Support all aspects of the transaction lifecycle from identifying new investment opportunities through executing definitive documentation.
• Develop and maintain relationships with institutional clients including origination platforms investment banks hedge funds REITs etc.
• Utilizing excel and SQL to analyze data sets model cash flows and perform a wide variety of ad hoc technical analysis.
• Coordinate the efforts of internal business units (e.g. credit legal operations) and external parties (e.g. attorneys valuation providers servicers) to drive transactions to a close.
• Engage in asset and transaction underwriting and due diligence including related to pricing and valuation legal structuring regulatory servicing capital accounting and treasury.
• Review and negotiate term sheets credit agreements purchase and sale agreements servicing agreements and any other legal documentation a transaction may require.
• Create detailed investment memoranda in support of investment theses for executive team review and transaction approval.
• Monitor investment performance and provide postclose deal support including related to periodic reunderwrites audits and/or deal amendments.

Qualifications:

• Must be seeking a handson role in a fastpaced performancedriven environment.
• Minimum 5 years of relevant professional experience at an investment bank hedge fund asset manager private credit investor or similar financial institution preferred.
• CFA or MBA is a plus.
• Strong quantitative financial modeling analytical and problemsolving skills.
• Strong verbal and written communication skills with an ability to articulate complex concepts clearly and concisely to internal and external stakeholders.
• Is selfmotivated and proactive;
• Is able to consistently produce a high volume of work output without sacrificing quality;
• Critical thinking natural curiosity and creative problem solving skills;
• Has a flexible and resilient personality;
• Holds a bachelors degree (minimum);
• High level of proficiency in Excel required. Proficiency in Bloomberg Microsoft SQL and Intex preferred.
• Inoffice work at our Atlanta GA headquarters required (4 days / week). Flexibility to travel preferred (12 times / month).

What the position offers:

• Opportunity for accelerated learning and career advancement;
• Meritocratic culture that rewards valueadd;
• Exposure to senior management;
• Partnership with leading financial institutions (investment banks hedge funds fintechs etc.);
• Intellectually rigorous work environment;
• Collaborative and supportive community of colleagues.

Founded in 2001 Credigy is a global specialty finance company with flexibility across the capital structure to acquire or finance a broad range of consumer assets. We are a whollyowned subsidiary of National Bank of Canada (NBC) and our $6B portfolio represents 335 deals and $20B in total investments lifetodate. We are the partner of choice when financial institutions face complex challenges and strategic changes. If you havent heard of us yet were okay with that we focus on serving our business partners not making a name for ourselves.

We are proud of our peoplefirst company culture that has been recognized yearoveryear as a Top Workplace both in Atlanta and nationally. What matters to you matters to us so we go beyond the usual benefits to offer meaningful perks that support professional growth personal connection and a life outside the office. Early in the hiring process we partner with you on our innovative personalized flexible work program to maximize compatibility between your needs and the business from day one. Our priority is hiring top talent and helping you create a career you love.

Credigy is a workplace that is free of discrimination and full of opportunity. We prioritize diversity inclusion and belonging and we are dedicated to unbiased recruiting hiring and employment practices. Authenticity goes a long way at Credigy and we get excited about the privilege of hiring people from diverse backgrounds. We are proud to be an Equal Opportunity Employer and commit to ensuring all applicants and employees are considered based on their qualifications and merit without regard to race ethnicity religion national origin sex sexual orientation gender identity age veteran status citizenship disability pregnancy or any other status protected by law. We expect each employee to support this policy in our daily operations and we do not tolerate discriminatory practices or harassment in any form. No matter how you identify or what background or industry you come from we welcome you and feel honored you are considering opportunities at Credigy.