Commercial Lending Analyst II

The Commercial Lending Analyst II is an intermediate commercial credit role responsible for supporting the Commercial Lending team through independent financial analysis, credit underwriting, portfolio monitoring, documentation review, and risk assessment. This position supports moderate-complexity commercial lending files and assists Account Managers by preparing credit applications, annual reviews, renewals, amendments, and recommendations that align with policy, risk appetite, and member needs. The Commercial Lending Analyst II is expected to demonstrate sound credit judgment, strong analytical capability, and the ability to manage assigned work with reduced supervision while contributing to the development of strong commercial lending practices within BVCU. KEY ACCOUNTABILITIES: Credit Accountabilities
- Independently prepare credit applications, credit summaries, annual reviews, renewals, amendments, and recommendation memos for moderate-complexity commercial lending requests.
- Complete detailed financial statement analysis, including ratio analysis, trend analysis, cash flow analysis, debt service coverage, margining analysis, repayment capacity, and sensitivity analysis.
- Assess borrower financial performance, management capacity, industry conditions, collateral support, repayment sources, and key credit risks.
- Recommend appropriate loan structure, security, covenants, reporting requirements, repayment terms, conditions, and risk mitigants in alignment with policy and risk appetite.
- Identify policy exceptions, documentation gaps, collateral concerns, covenant weaknesses, and credit risk issues, and recommend appropriate corrective actions or mitigants.
- Prepare, review, and validate Commitment Letters, Loan Agreements, security documentation, solicitor instructions, and funding requirements in accordance with approved terms and conditions.
- Monitor ongoing borrowing conditions, financial reporting, covenants, insurance, appraisals, margin requirements, annual reviews, renewals, and loan file follow-up items.
- Identify and escalation delinquencies, deteriorating financial performance, covenant breaches, documentation exceptions, risk rating concerns, and other early-warning indicators.
- Maintain accurate, complete, and audit-ready commercial lending files that meet internal standards, approval conditions, and regulatory requirements. Portfolio, Member, and Business Support
- Act as a credit partner to Account Managers by preparing financial summaries, risk assessments, credit recommendations, and supporting materials for lending discussions and member meetings.
- Manage assigned portfolio monitoring activities, including financial statement follow-up, covenant tracking, insurance renewals, reporting requirements, arrears monitoring, and exception resolution.
- Communicate directly with members, solicitors, accountants, appraisers, insurers, branches, and internal departments to gather information, resolve outstanding conditions, and support timely file completion.
- Support commercial real estate, diversified commercial, agricultural, small business, and other commercial lending files as assigned.
- Conduct industry, market, collateral, and borrower research to support credit assessment, portfolio monitoring, and business development activities.
- Assist with improving credit processes, lending templates, documentation standards, workflow tracking, and reporting tools.
- Provide guidance to junior analysts or lending support staff on financial spreading, documentation requirements, workflow practices, file organization, and credit process expectations. Teamwork
- Contribute to a positive work environment that encourages pride, teamwork, accountability, and mutual respect.
- Collaborate with the Credit Team, Administration Office, branches, and other departments with a mindset of service, accuracy, risk awareness, and continuous improvement.
- Participate in training and development programs provided by internal and external resources and apply learning to improve credit quality and portfolio support.
- Provide backup and support to the Commercial Lending team as required, including assisting with workload balancing, file prioritization, and urgent funding or renewal requirements.
- Champion team success through knowledge sharing, coaching, process discipline, and a willingness to support department initiatives. SKILLS AND COMPETENCIES:
- Strong verbal and written communication skills with the ability to prepare clear credit recommendations and communicate professionally with members, team members, and external partners.
- Strong financial analysis skills, including the ability to assess cash flow, repayment capacity, leverage, liquidity, profitability, working capital, collateral support, and debt service coverage.
- Demonstrated credit judgment and ability to identify key risks, recommend mitigants, and escalating concerns appropriately.
- Strong attention to d