Commercial Lending Analyst
8 hours ago
We are seeking a highly skilled Commercial Lending Analyst to join our team at Your Neighbourhood Credit Union Limited. As a key member of our Commercial Lending team, you will be responsible for assessing and underwriting commercial lending transactions, contributing to the ongoing management of a diverse portfolio of mid-market business relationships, and supporting business development activities.
Key Responsibilities- Assess financing proposals, conduct due diligence, and analyze credit applications to make recommendations that adhere to our policies and risk guidelines.
- Coordinate with internal and external partners to facilitate the ongoing management of credit facilities.
- Conduct credit reviews of existing members and maintain annual reviews/renewals at or below targeted levels.
- Communicate with commercial lending clients on a day-to-day basis, responding to questions and inquiries regarding products, services, and advice.
- Assist with portfolio management duties and other day-to-day responsibilities.
- Research and analyze market segments, monitor market conditions, and trends to assess risk.
- Collect and compile information, analyze financial statements, and assess credit worthiness.
- Provide sound recommendations and justifications for credit proposals based on detailed financial, business, and credit analysis.
- Work closely with the Director, Commercial Lending to generate quality new business and achieve expected revenue and portfolio growth targets.
- Ensure all commercial files are reviewed on a regular schedule and that all required documentation is in order; review loan risk and make short and long-term recommendations on files posing potential risk issues.
- Provide excellent client service to internal and external parties.
- Be aware of enterprise risk management issues as they relate to Lending Services and bring forward strategic and risk issues for discussion, review, and solutions to the Director, Commercial Lending.
- Stay current with general economic indicators and industry sector trends.
- Maintain a thorough knowledge of policies and procedures as they pertain to the operations of Lending Services.
- Abide by YNCU policies, procedures, standards, guidelines, and practices.
- Other duties as assigned.
- 2+ years of previous commercial lending and/or related experience.
- Bachelor's degree in business/finance/economics or related disciplines.
- Comprehensive understanding of financial statements and analyzing skills.
- Must have a valid Ontario driver's licence and reliable available vehicle.
- Must be bondable.
At Your Neighbourhood Credit Union Limited, we value our employees and offer a range of benefits, including flexible work arrangements, competitive compensation, and opportunities for professional growth and development. We are committed to creating a diverse and inclusive workplace that reflects the communities we serve.
We are an equal opportunity employer and welcome applications from diverse candidates. If you are a motivated and experienced professional looking for a new challenge, we encourage you to apply for this exciting opportunity.
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