Hybrid Credit Analyst I

at Access Credit Union

• Job title: Credit Analyst I
• Job type: Full Time
• Experience level: Junior
• Salary: CA$61,469 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Winnipeg, Canada

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