Junior Business Analyst

2 months ago

St Catharines, Canada FirstOntario Credit Union Full time

Are you a student or recent graduate looking for an exciting opportunity to grow your skills in the financial industries sector? FirstOntario Credit Union is excited to welcome students to work at our organization from May to September, 2024.

**The Advantages to being a FirstOntario Summer Student**:

- Competitive wages and Career development opportunities
- Volunteer opportunities through Blue Wave
- Access to our Employee Assistance Program which is designed to improve your mental and physical health and productivity at work, school, and home

**Why FirstOntario?**
FirstOntario Credit Union is one of the largest credit unions in Ontario. We are a trusted co-operative financial intuition dedicated to providing competitive banking products and services and a quality Member service. More than 118,000 Ontarians choose FirstOntario for their financial needs - from chequing and savings accounts to loans and mortgages and highly qualified investment advice. Our Membership does more than save you money on fees, it also makes you an Owner. At FirstOntario, we believe the best way to ensure our success is by supporting the communities we serve. That's why our policies include volunteering our time, talent and resources to worthy local causes and events. It's also why we reinvest our profits in the same places they're earned, and why we sponsor programs that promote financial literacy and economic development.

**Job Overview**

The Junior Business Analyst, Commercial Services is responsible for supporting the Commercial Services goals by achieving targets and objectives while providing solid advice on products, and services to Commercial Members. As a key member of team, they support the risk and portfolio management.

**Role**
- Efficiently support the Business Banking Team, Commercial Services in the preparing and presenting high-quality proposals by analyzing and conducting proper due diligence for medium to high complexity loan proposals
- Develop appropriate terms, pricing, conditions and covenants while ensuring thorough credit analysis, due diligence and sound account management practices
- Prepare loan packages and, when necessary, negotiate with internal partners on structuring the deal to ensure compliance with policies and procedures
- Prepare reports and assist with compliance related tasks
- Prepare credit analysis/memos including modelling of portfolio performance as well as financial modelling across a variety of asset classes
- As directed, gather items required for the administration of commercial files
- Be actively involved in adjudicating and reviewing of Commercial lending, risk, and reward
- Work with your manager to meet annual review and risk management standards for the Commercial Portfolio including structuring transactions
- Diligently complete detailed commercial reviews through the breakdown and analysis of financial statements and recommendations to mitigate any new or changing risks
- Concentrate on department goals and objectives, and portray a strong positive image to our members and the community
- Over deliver on set targets and planned initiatives in the region by identifying new opportunities within the loan management and origination process
- Consider health & safety as a primary concern to ensure the overall well-being of your team and members
- Perform other duties we may need you to do

**Required Skills**:

- Have a sound business acumen which you built from the ground up with a post-secondary diploma or degree in business or related field or an equivalent combination of education and experience
- Utilize your understanding and/or experience in Real Estate Development and Construction
- Be well versed in the identification of risk and warning trends on Commercial Loans
- Be extremely knowledgeable about small business and commercial banking products and services
- Innately detail-oriented, analytical, and have an incredible passion for ensuring the accuracy of numerical data and cost-effective use of company budget dollars
- Be well-versed in the world of customer service
- Be extremely comfortable using a computer particularly MS Office
- Be quick to respond to requests for service from all of your members
- Be aware of and mitigate enterprise risk factors and ensure compliance with applicable regulations, legislation and FirstOntario policies and procedures
- Be willing to work flexible hours to accommodate business need, networking and community involvement

**Our Story**

Our emphasis on service means we're constantly searching for new team members whose dedication to helping people is as powerful as their ambition to succeed. We're committed to providing professional development, and to extending employee activities beyond day-to-day operations to support the communities where we're located. Our people are the difference, it's a part of why we love coming to work.

FirstOntario is proud and privileged to be able to assist and touch the lives of so many in our commun

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