Senior Business Credit Analyst

This is a fully remote position, open to applicants in Canada.

📋 Description

• Assist the Business Banking team by creating intricate credit submissions, performing thorough financial analyses, designing lending solutions, and aiding in the continuous management of an advanced commercial lending portfolio.

• Spearhead the creation of credit applications for intricate commercial lending relationships, which include real estate, construction and development financing, syndications, and various specialized credit frameworks.

• Conduct comprehensive financial analyses, cash flow modeling, feasibility studies, covenant assessments, stress testing, and sensitivity evaluations to bolster credit recommendations.

• Collaborate with Business Relationship Managers and internal stakeholders to craft lending solutions that are in harmony with policy, risk appetite, and member requirements.

• Assess borrower strength, guarantor support, project feasibility, market trends, and security positions for complex lending transactions.

• Facilitate syndication opportunities by analyzing participation frameworks, lender prerequisites, and deal terms.

• Oversee annual reviews, renewals, amendments, construction monitoring, and ongoing portfolio management activities.

• Track portfolio performance, covenant compliance, delinquency patterns, and emerging risk indicators.

• Coordinate documentation, funding prerequisites, and conditions precedent with internal teams, syndication partners, legal advisors, and other external entities.

• Assist with construction draws, project oversight, and reporting obligations for real estate development and construction lending relationships.

• Generate portfolio reports and recommendations to enhance effective risk management and decision-making processes.

• Guide Business Credit Analysts through technical assistance, knowledge sharing, and the development of best practices.

⛳️ Requirements

• Completion of a college diploma or university degree in a relevant field, or a comparable combination of education, training, and experience.

• At least 5 years of progressive experience in commercial lending, credit underwriting, or business banking, including exposure to complex commercial real estate lending and construction financing.

• Extensive expertise in financial analysis, credit adjudication, risk evaluation, and structuring intricate commercial lending solutions.

• Demonstrated understanding of commercial real estate development financing, syndication frameworks, legal documentation requirements, and portfolio risk management practices.

• Proven capability to analyze complex borrowing relationships and formulate sound credit recommendations.

• Advanced skills in financial analysis and underwriting.

• Experience in supporting commercial real estate development and construction financing relationships.

• Strong risk assessment, problem-solving, and decision-making abilities.

• Familiarity with syndicated lending structures and complex commercial credit arrangements.

• Excellent communication and relationship-building skills, with the ability to collaborate effectively across various internal and external stakeholders.

🏝️ Benefits

• Commitment to work/life balance

• Substantial extended benefits package

• 11.75% employer-paid RRSP contribution

• Investments in your education and training

• Banking perks