Credit Analyst

5 days ago

Richmond Hill, 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

Credit Analyst, Maxium

Everyday flexibility. Hybrid work environments. On-site requirements. Collaborative connections.

CWB Maxium. Trusted partners. Experienced lenders.

Financial needs are unique, and so are the financial solutions.
- CWB Maxium

offers creative structured financing that responds directly to the specific needs of each customer. We have earned a reputation for innovative lending solutions coupled with an unparalleled ability to build long-term relationships. With more than 35,000 customers and financial portfolio exceeding $1 billion and still growing. As a

CWB Financial Group

company, CWB Maxium has the backing of a strong funder and larger, diversified organization, which gives us the opportunity to help more customers, in more ways, and to take our company to another level of service, performance and growth.

The opportunity

Day to day

Financial & cashflow analysis. Credit adjudication. Risk management.- Compliance accountability with various first-line risk management functions, workflows, and policies of CWB Maxium, including requirements for loan management, data integrity, portfolio quality, exposure limits and fulfillment of loan security and approval requirements.-
- Ensure risk appetite is within acceptable parameters of our lending practices and guidelines.- Ensure adherence to CWB Maxium’s credit administration and security policies and procedures.- Assist in the preparation of annual credit reviews on assigned portfolio of loans including an updated security review, financial covenant testing, re-rating of transaction credit risk and updated financial statement and cash flow analysis.- Review amendments seeking approval to modify the original transaction security or other credit conditions.- Identify and actively participate in operational improvements.

Skills and competencies that will take you further

Financial savvy. Credit knowledge. Analyst. Collaborator. Trusted partner.

We are looking for a finance and/or credit professional with a strong desire to learn and grow. You are drawn to data and possess an analytical mind, finding patterns and underlying stabilities in financial documents and cash flow. Inquisitive by nature, you dig further, investigating all aspects and exploring every possibility before making recommendations. You must be sound in your research & understanding before being confident in your knowledge. You are a concise communicator with the ability to influence and negotiate. You value teamwork and have excellent interpersonal and organizational skills. This role requires a person who can maintain a high level of confidentiality and integrity. There are countless opportunities to advance and enhance your career in this unique and specialized space.

Foundational knowledge and experience to grow from

Bachelors’ Degree in business or related field is required in addition to two years financial services experience within functions of risk or credit management, banking and/or business lending. Prior experience in Commercial Banking is a plus. Experience in credit adjudication supported by well-developed skills in financial statement analysis and knowledge of effective risk mitigation strategies for credit underwriting are needed.

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, 100% company-funded health coverage, health care spending account, a flexible wellness program & generous time-away options to unplug, rest & recover. 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. 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. Strategic career design is an investment in our core asset - our people. Innovation. Learn. Grow. Enhance. At CWB, we play to win. When we fail, we fail forward. Recognition. Peer-to-peer recognition programs for “in the moment” and monumental wins. Community giving. Make a difference. Drive economic prosperity in your community. Get involved. Volunteer. Fundraise. All with CWB support. ESG & sustainability focused. Be proud of where you spend, work & invest. Financial rewards. Base salary & pay for performance incentives. Retirement investment strategy. You can’t work forever So, we’ve got you covered. Company ownership. No greater

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