Account Executive

Company: J D Factors

Location: Calgary Operation Center (Calgary, AB)

Compensation: $45,000 – $50,000 (Base Salary) + Performance-Based Incentives

Employment Type: Full-Time, On-Site

Clean Professional Job Summary

J D Factors is seeking a results-driven Account Executive to join its Calgary Operation Center. This role is a vital link between the company’s specialized financial services and the cash flow needs of small to medium-sized enterprises (SMEs) across various industries. As an Account Executive, you will be responsible for the full client lifecycle: from identifying new business opportunities and conducting preliminary credit analysis to managing long-term client relationships. This is an on-site, consultative sales and relationship management position that requires a unique blend of financial literacy, negotiation prowess, and a commitment to high-touch customer service.

Key Responsibilities

Portfolio Development: Proactively identify and engage prospective clients who require alternative financing solutions to bridge cash flow gaps.
Consultative Sales: Conduct in-depth consultations with business owners to understand their operational challenges and tailor factoring programs to their specific needs.
Client Relationship Management: Serve as the primary point of contact for an assigned portfolio, ensuring high retention rates through regular communication and service excellence.
Credit & Risk Assessment: Perform initial credit analysis and ongoing monitoring of client accounts to mitigate financial risk and ensure the quality of receivables.
Collaborative Operations: Work closely with internal underwriting and operations teams to streamline the onboarding of new clients and the processing of daily funding requests.
Strategy Implementation: Develop and execute localized sales strategies to drive regional growth in the Calgary and Western Canadian markets.
Administrative Excellence: Maintain accurate and up-to-date records within the company’s CRM, ensuring all client interactions and sales pipelines are documented.

Required Qualifications & Skills

Academic Background: Post-secondary education in Business, Finance, Economics, or a related field is highly preferred.
Experience: Proven experience in B2B client relationship management, account management, or business development.
Financial Acumen: Functional knowledge of financial services, specifically business financing, credit analysis, and risk management.
Communication Skills: Exceptional interpersonal, negotiation, and presentation skills, with the ability to explain complex financial products clearly.
Technical Proficiency: High level of comfort using CRM software and standard productivity tools (Microsoft Office Suite).
Self-Management: A results-driven professional capable of working independently while maintaining a collaborative spirit within a larger operations team.

About the Company: J D Factors

J D Factors is a leading North American financial services firm specializing in non-recourse and recourse factoring. With decades of experience and a network of Operation Centers in Calgary, Toronto, Montreal, Chicago, and Los Angeles, the company provides a localized approach to global financial challenges. J D Factors is known for its “personalized” service model, where clients interact with dedicated experts rather than automated systems. The Calgary office is a key hub for Western Canadian businesses, particularly in the transportation, manufacturing, and oil & gas service sectors.

Market & Industry Context: Factoring in Western Canada (2026)

In 2026, the Canadian factoring services market is experiencing a robust compound annual growth rate (CAGR) of approximately 14.1%. As traditional banking credit remains tight due to fluctuating interest rates, alternative financing—specifically invoice factoring—has become a lifeline for Calgary’s small and medium enterprises (SMEs).

The “Calgary Context” in 2026 is heavily influenced by the resurgence of local manufacturing and the expansion of the green energy supply chain. Account Executives at J D Factors are increasingly acting as “Cash Flow Consultants,” helping firms navigate the transition from net-30 or net-60 payment terms to immediate liquidity. This role is essential because it allows local businesses to accept larger contracts and hire more staff without being stalled by slow-paying customers.

Career Growth & Progression Path

Senior Account Executive: Take on high-value corporate accounts and lead complex negotiations for multi-million dollar factoring facilities.
Operations Center Manager: Oversee the entire Calgary hub, managing both the sales team and the local underwriting/risk department.
Regional Sales Director: Drive growth across multiple Canadian Operation Centers, focusing on national partnerships and market expansion strategies.
Credit Risk Manager: Transition into a specialized analytical role, defining the risk appetite and credit policies for the organization.

Interview Preparation Insights

The “Factoring vs. Lending” Pitch: Be ready to clearly explain the difference between selling an asset (factoring) and taking on debt (a bank loan).
Portfolio Conflict Resolution: Prepare an example of how you would handle a client whose customer has defaulted on an invoice. (Focus on the “partnership” approach J D Factors values).
Industry Specialization: If you have experience in transportation, oilfield services, or staffing, highlight it. These are “bread and butter” industries for Calgary factoring.
Sales Pipeline Management: Discuss how you use CRM data to prioritize leads and move them through the “Discovery” phase to the “Funding” phase.

Estimated Salary Insight

Market Estimate Based on Similar Roles: $45,000 – $50,000 (Base) + Uncapped Commission.
Note: While the base salary is consistent with industry entry-points, successful Account Executives in the factoring space often double their base through performance-based incentives as their portfolio grows.

Work Environment & Location Insights

The Calgary Office: Located in a central business district or industrial hub, the office culture is professional and autonomous.
Autonomy & Support: Employee reviews highlight a culture that avoids micromanagement and provides “excellent benefits” while maintaining high standards for work-life balance.
Daily Rhythm: Expect a fast-paced environment where you rotate between phone-based prospecting, in-person client consultations, and internal risk review meetings.

Compliance & Equal Opportunity Note

J D Factors is an equal opportunity employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin. Successful candidates may be required to undergo a standard background and credit check due to the financial nature of the role.

Category	Details & Specifications
Employer	J D Factors
Location	Calgary, AB (On-site)
Industry	Factoring & Financial Services
Employment Type	Full-time
Core Function	Client Relationship Management & Business Development
Education	Post-secondary degree in Business, Finance, or related field preferred
Key Knowledge	Financial services, credit analysis, and business financing
Primary Tools	CRM software and standard productivity suites

What is Factoring?

As an Account Executive at J D Factors, you are selling accounts receivable factoring. This is a financial transaction where a business sells its invoices to a third party (the factor) at a discount to get immediate cash flow rather than waiting 30–90 days for client payment.

Consultative Sales: You will identify businesses struggling with “cash flow gaps”—common in Calgary’s transportation, manufacturing, and oilfield service sectors—and propose customized factoring programs.
Risk Management: Part of your role involves preliminary credit analysis to ensure the invoices being purchased are from creditworthy debtors.
Portfolio Growth: You are responsible for the full sales cycle: from lead generation and cold outreach to closing the deal and maintaining the ongoing relationship.

Key Responsibilities & Daily Operations

Business Development: Actively prospecting for new clients across Western Canada who require non-traditional financing.
Relationship Management: Serving as the primary point of contact for current clients to ensure their funding needs are met and their experience is seamless.
Strategic Planning: Developing and executing localized sales strategies to hit specific growth targets within the Alberta market.
Collaboration: Working closely with the Calgary Operations Center to vet new clients and manage the transition from “lead” to “funded account.”

Candidate Suitability & Market Context

In the current 2026 economic environment in Calgary, businesses are increasingly looking for alternative lending due to stricter traditional bank requirements.

Negotiation Skills: You must be able to explain the value of factoring (speed and flexibility) over traditional debt.
Industry Asset: Previous experience in transportation or logistics is often highly valued in this role, as “trucking factoring” is a major subset of J D Factors’ business.
Results-Driven: Success is measured by the volume of “purchased receivables” and the retention of a healthy client portfolio.

To apply for this job please visit www.jdfactors.com.