About the role

  • Credit Analyst I responsible for analyzing credit requests from commercial and agricultural members. Working with Business Account Managers to ensure credit quality is maintained and risks are mitigated.

Responsibilities

  • Conducting comprehensive analysis of incoming credit requests from commercial and agricultural members
  • Identifying strengths, weaknesses and risks of the requests and recommending appropriate risk mitigation strategies
  • Working alongside Business Account Managers to conduct thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests
  • Regularly completing files submitted by the Business Account Manager I/II team with requested amounts ranging from $0-$2.5 million
  • Assessing creditworthiness of business and agricultural members
  • Evaluating credit risk through analysis of existing account performance, debt repaying history, business income earnings, and purchase activities
  • Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, and environmental and industry factors
  • Presenting analysis, findings, and recommendations clearly within the Business Credit Application
  • Preparing supporting documents to support analysis of credit applications
  • Ensuring appropriate Security Documentation and instructions are clearly laid out
  • Auditing existing member documentation to ensure proper documentation is held on file
  • Keeping current with business issues that affect market trends and sharing beneficial information

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
  • Developing ability to identify risks, issues, concerns within a file
  • Developing ability to provide/position appropriate risk mitigation recommendations within the file
  • 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 opportunities
  • Career advancement opportunities

Job title

Credit Analyst I

Job type

Experience level

Junior

Salary

CA$63,006 per year

Degree requirement

Bachelor's Degree

Location requirements

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