About the role

  • Credit Analyst conducting comprehensive credit analysis for commercial and agricultural members. Recommending risk mitigation strategies and collaborating with account managers in a hybrid environment.

Responsibilities

  • Conducting comprehensive analysis of incoming credit requests from our commercial and agricultural members
  • Identifying strengths, weaknesses and risks of the request; recommending appropriate risk mitigation strategies within the Business Credit Application
  • Work alongside Business Account Managers, conducting thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests
  • Assess creditworthiness of business and agricultural members
  • Evaluate the credit risk of a member through analysis of existing account performance, debt repaying history, business income earnings, purchase activities, etc.
  • Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, as well as environmental and industry factors in support of credit requests
  • Present analysis, findings, and recommendations in a clear, concise manner within the Business Credit Application
  • Provide recommendations for credit structure, security, and risk mitigation through use of covenants and conditions
  • Prepare supporting documents such as charts, reports, spreadsheets and models to support analysis of new and existing credit applications

Requirements

  • Post-secondary education in business, economics or agriculture or equivalent combination of education and work experience
  • One year experience in a business banking role preferred
  • Demonstrated desire to serve others in a friendly and professional manner
  • Ability to identify and willingness to assist with sales and service opportunities
  • Strong interpersonal and communication skills, both verbal and written
  • Superb analytical and problem-solving skills, ability to analyze, identify and mitigate risks in complex credit requests
  • Ability to build trust and credibility with team members throughout the organization
  • Ability to work in a fast-paced team environment and perform well under pressure
  • Ability to prioritize using sound judgment to make timely and effective decisions
  • Superb attention to detail with exceptional degree of accuracy
  • Strong knowledge of risk management within the financial industry
  • Advanced computer skills

Benefits

  • 100% company paid health benefits
  • Employer-matched pension plan
  • Continuing education
  • Career advancement opportunities

Job title

Credit Analyst I

Job type

Experience level

Junior

Salary

CA$61,469 per year

Degree requirement

Bachelor's Degree

Location requirements

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