Business Credit Analyst, Real Estate Development

4 weeks ago

Surrey, Canada Prospera Credit Union Full time

TEAM LOCAL is hiring

Built on more than 75 years of service in local communities, Prospera Credit Union is a community-based, purpose-driven organization that offers a full range of financial products and services. Prospera is one of the largest credit unions in British Columbia, with approximately $7.5 billion in assets and 120,000 members. With 26 branches, Prospera is proud to serve communities throughout the Lower Mainland, Fraser Valley and Okanagan. It's our vision to help build vibrant, healthy communities, thriving local enterprises and financially empowered people. Learn more about us at prospera.ca.

We are seeking a talented Business Credit Analyst to join our thriving lower mainland real estate development Business Banking team. In this hybrid role, you will work closely with Business Relationship Managers to help grow the size and profitability of the commercial real estate book while minimizing loan risk and maximizing product penetration. You will also deliver an exceptional member experience by providing timely, accurate, concise, and quality credit applications within sound risk management framework.

What you'll do:

  • Work closely with Relationship Managers to identify and gather all required information to prepare commercial and real estate project financing applications for credit
  • Complete due diligence and investigation on the information required for commercial credit underwriting
  • Analyze and interpret financial data and project information
  • Analyze and assess collateral
  • Underwrite and analyze credit applications, including annual reviews, make recommendations for new loans, loan renewals and amendments within credit union guidelines and lending policy and procedures
  • Provide creative and flexible solutions in structuring and underwriting commercial credit applications with appropriate supporting commentary
  • Submit commercial lending recommendations to the appropriate approval level
  • Monitor projects being financed to ensure draw down stipulations and loan conditions are met
  • Review each borrower at least annually, coordinating financial information requirements with BRM's and Commercial Services Assistant
  • Review reports for the portfolio to identify potential problems and contact member to resolve issues and develop action plans to ensure risk is minimized

What you bring:

  • 3 - 5 years of experience in commercial lending analysis and underwriting, and/or an equivalent combination of education and experience or
  • 3 - 5 years of experience in a business banking position with relevant experience in real estate development & project financing underwriting and analysis
  • Excellent communication and interpersonal skills and a positive attitude
  • Proven organizational and time management with the ability to work under pressure and meet deadlines
  • Demonstrated underwriting commercial lending skills with the ability to identify, analyze, and mitigate risks therein
  • An understanding of accounting principles and financial statements, including cash flow analysis
  • Knowledge of business lending policies, loan realization and collection process
  • A team-oriented approach with a demonstrated ability to work effectively positively within a team

Our Values

Cultivate trusting relationships: We are local at heart, aligned in our purpose to help our members, communities, and team thrive.

Empower and enable others: We give each other the space, trust, and tools to succeed.

Lead with curiosity: We approach all circumstances with curiosity and a drive for continuous learning and improvement.

Embrace change and execute with purpose: We plan with agility, take action, and pivot to deliver results.

Thrive as One Team: We collaborate because it strengthens us.

What's in it for you?

Inclusive, equitable and accessible workplace: All team members are valued, respected, and heard. We learn from each other's differences, gaining strength through our people and our perspectives.

Training and Support. We set our employees up for success with training and continued support and access to resources throughout employment.

Career Advancement We are committed to our employee's growth and development and we want to see you soar.

Fun & Camaraderie. We care deeply about our members and our employees and we want the hours you spend with us to be fun, rewarding and sometimes lighthearted. We like to work hard, play hard, have fun and be there for each other.

Show me the money We offer competitive pay, a personalized benefits program, and a generous defined contribution pension plan.

Community Focused. We care about giving back to the communities we live, work and play in. We participate in many community-minded activities throughout the year.

Diversity, equity and inclusion is part of everything we do, and we're on a continuous journey to ensure every employee and members feels like they #BelongAtProspera.

If you require accommodation during any part of the recruitment process, please let us know.

Sound like your new role? Apply Today

Join TeamLocal

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