Credit Analyst

2 weeks ago

Winnipeg, Canada CWB Financial Group Full time
At CWB, we strive to build value for the people who choose us every day: our people, our clients and our investors. We do this by:
Putting people first and building relationships with intention
Seeking out and embracing new ideas
Believing that how we do things is as important as what we do

Role Specifications

Hybrid work environment with onsite requirement. Everyday flexibility

Flexible location - We are looking to fill roles for various locations across Canada.

The opportunity

Our Credit Analysts apply proven skills in credit writing, financial statement analysis, loan structuring, risk management and communications to provide outstanding service and responsiveness within the key business line functions of credit underwriting, loan applications, recurring credit review processes and administration.

This is an important role in delivering effective risk-based loan pricing and profitability management. These credit gurus act as subject matter experts providing guidance and support to credit associates and support teams, improving the development of our credit capabilities.

Day to day activities

Client engagement. Credit underwriting. Risk management. Learning.
Analyze and discuss terms and conditions of credit applications and related matters with key collaborators, as required.
Ensure risk-taking is within acceptable parameters of CWB's lending practices, policies, and procedures.
Recommend appropriate credit structures and assist with analysis and writing of complex credit submissions and reviews.
Approve credit applications (new, renewal and reportable) within a delegated credit limit, as applicable.
Prepare recommendations for approval, restructuring, or deferral of loan requests.
Assist with account and portfolio assessments to help identify and mitigate potential impacts of negative performance trends.
Accountable to ensure compliance with various first-line risk management functions, workflows, and policies, including requirements for loan management, data integrity, portfolio quality, exposure limits and fulfillment of loan security and approval requirements.
Support key collaborators with requirements to maintain satisfactory internal audit reports.
Ensure adherence to the Bank's credit administration and security guidelines and protocols.
Ensure all assigned month-end and other reports are accurate and complete, as applicable.
Ensure required reports and financial data are received and analyzed promptly in line with loan commitments.
Assist with management and/or administration of high risk and/or watch accounts, as applicable.
Exercise discretion and maintain confidentiality of all customer information consistent with internal policies and procedures, and federal rules and regulations.

Foundational knowledge and experience to grow from

Financial and marketing knowledge of local markets and national economies built on a foundation of formal education ( business degree ) and real-life experience ( 3+ years of financial services experience in risk management, banking, or business lending - preferably in equipment financing and leasing). Solid credit adjudication experience supported by honed skills in assessing financial documents and deep knowledge base of effective risk mitigation strategies for credit underwriting with a knowledge of collateral security and documentation requirements.

Capabilities that will take you further
Financial expertise. You have garnered credit underwriting experience that has allowed you to plan, implement and mitigate risk on a portfolio of clients. You have solid comprehension of equipment financing and leasing and a general understanding of collateral security and documentation requirements.
Play to win approach. Ability to be successful in a high volume, fast paced and somewhat stressful environment arising from competing responsibilities, regulatory processes, multiple stakeholders, and client expectations - by utilising effective prioritization, planning, effective communication, and teamwork.
Proactive nature. Although you pride yourself in being detail oriented and can see well into the weeds of problems, it is your interest in anticipating needs, opportunities, and solutions that sets you apart from your peers.
Effective communication. You can communicate effectively both verbally and in writing. You have refined your negotiation, facilitation, influencing and conflict mitigation skills.
Technologically proficient. You are adept at learning new software that you will use on a day-to-day basis. You have mastered MS Office, especially Excel and a solid understanding of Temenos/T24 and WAVE is an asset.

Why work with us?

_ Your success is our obsession And our benefits back it up. _

Wellness matters. We offer an award-winning benefits package that includes:
hybrid work environments
everyday flexibility
company-funded health coverage
health care spending account
a flexible wellness program
generous time-away options to unplug, rest & recover.

Career development. We commit to our employees' development and help them reach their professional goals with:
organization wide coaching services
mentorship
education support & training programs.

Bring your whole self to work. Inclusion is a journey requiring practice & experience to result in a powerful outcome. Your perspective matters & voice will be heard. Find community within the CWB family in our employee represented groups.

Job Type: Full-time

Schedule:
Monday to Friday

Work Location: In person

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