Business Credit Analyst

PROSPERA; Surrey; Sur place; CAD 64 000 - 80 000; Plein temps

Avantages offerts par ce poste

Flexible benefits program

Defined contribution retirement plan

Vacation, personal and wellness time

Résumé du poste

Prospera is seeking a Business Credit Analyst to provide analytical, administrative, and member support to the Business Relationship Managers in the Commercial Real Estate team. You will assist with annual reviews, new credit applications, and ongoing portfolio monitoring, ensuring timely, accurate, and compliant submissions.

The role requires a business/finance degree or diploma, strong Excel skills, and 3–5 years in business banking or equivalent.

Qualifications

• Post-Secondary Degree or Diploma in Business Administration or Finance.
• Courses in financial analysis desirable.
• 3-5 years of experience in business banking or equivalent.
• Knowledge of business lending policies and regulations.
• Proficiency in Microsoft Office applications (Excel, Word, PowerPoint). Financial modelling in Excel is an asset.

Responsabilités

• Support BRMs in CRE to ensure annual credit reviews are completed timely.
• Assist with member credit applications and risk assessment within risk appetite.
• Support ongoing monitoring and control of portfolios, including financial reporting and covenants.
• Provide enhanced member experience through relationship management support.
• Maintain confidentiality and adhere to regulatory requirements.

Connaissances

MS Office

Excel modelling

Analytical skills

Written & verbal communication

Formation

Business/Finance degree or diploma

Financial analysis courses

Outils

Credit software

Description du poste

As Business Credit Analyst (BCA), you will provide analytical and administrative and member support to the Business Relationship Managers (B R Ms). Responsibilities include preparing and conducting annual reviews and new credit applications in an accurate and timely manner on business credit relationships within the Commercial Real Estate (CRE) team . It also includes monitoring and control functions for the team's credit portfolio . The position delivers an exceptional member experience by providing timely , accurate , concise, and quality credit applications within sound risk management framework. This position contributes to the Net Promoter Score (Voice of Member) as a contributor of the members' experiences with the Commercial Real Estate team .

What you do:

• Provide support to the BRM's within CRE: as directed by the Director to ensure "annual credit reviews" on their portfolios are completed in a timely manner, and within acceptable expiry thresholds. Following and understanding the required policies, procedures, and processes. This may include working with members and their team, completing due diligence, and any other requirements of good risk management and account oversight. BCA will be required the use and understand the appropriate forms, searches, and other documentation.
• Provide support to the BRM's within CRE: as directed by the Director to ensure "member application for credit" on their portfolios are completed in a timely manner as the credit writer to appropriately analyze and access risk within our risk appetite at Prospera. Following and understanding the required policies, procedures, and processes. This may include working with members, completing due diligence, and all other requirements of good risk management and account oversight, and will require the use of the appropriate forms, searches, and other documentation, and will include assessment of the business members: business risk, financial risk, and industry risks, and a clear understanding of the key risks and required mitigants to support the application.
• Provide ongoing support to the BRM's within CRE: as directed by the Director to ensure "ongoing monitoring and control" on their portfolios are completed in a timely manner, and within acceptable standards. Following and understanding the required policies, procedures, and processes. This may include working with members and their team, completing due diligence, and any other requirements of good risk management and account oversight including margining or tracking of financial reporting or covenants. BCA will be required the use and understand the appropriate forms, tracking, and other documentation.
• Support an exceptional member experience by providing temporary relationship management as directed by the Director and/or by working as part of the business member relationship team.
• Maintain a professional standard of conduct always while promoting a positive image of Prospera.
• Develop and maintain relationships within the branch network and the local business community.
• Develop and maintain relationships with existing business members and identifies sales and service opportunities making qualified referrals to retail banking and wealth planning specialists.
• Provides support to the Business Relationship Support as directed by Director.
• Provide high level of member experience by engaging in a in a friendly and professional manner.
• Maintain established procedures with respect to confidentiality, negotiable items, account transactions, equipment and surroundings to meet safety, legal and procedural requirements.
• Participate in educational seminars, training programs and other duties as assigned.
• Stay informed of regulatory, policy and procedural requirements to ensure compliance and keep well informed of market/economic conditions as it relates to assessing and analyzing credit risks.
• Identify and assess risk and report any deterioration in risk, and recommend appropriate actions as directed and guided by BRMs and Director.
• Contribute to their personal development and the team through engagement by effective participation in individual, team, and community events.

What You'll Bring:

Post-Secondary Degree or Diploma in Business Administration or Finance.

Courses in financial analysis desirable.

3-5 yearsprevious knowledge and experience in business banking, and/or an equivalent combination of education and experience.

Knowledge of business lending policies, complex procedures, techniques, documentation requirements;

Knowledge of statutory guidelines and regulations governing business lending;

• Proficiency in Microsoft applications (Excel, Word, Powerpoint). Financial modelling skills in Excel considered an asset.

Ability to work independently;

Strong organizational, analytical, communication, and collaboration skills;

Ability to communicate effectively, both orally and in writing;

Proven ability to respond to members and public needs in a friendly, professional manner;

Ability to plan, schedule, organized and prioritize work assignments;

Ability to exercise judgement in risk assessment;

Ability to analyze financial statements;

Continues to develop skills and knowledge through external and internal education, training and cross-training opportunities to maximize personal contribution to the organizational goals and ongoing career development.

Compensation

• Prospera offers a total compensation package of base salary plus incentives that are market competitive and reviewed annually.
• The salary for this role is $64,000.00 to $80,000.00. The final offer will be based on the successful candidate's knowledge, experience, and internal equity.
• Flexible Benefits Program pick and choose what works best for you.
• Defined Contribution Retirement Plan - let's start saving and keep your future in mind.
• Vacation, Personal and Wellness time and two Vacation Bonus Days
• Professional development - come to grow your career and develop your skills.
• A supportive, collaborative work environment we're proud to be a Great Place to Work certified organization.

Our Commitment - Diversity, Equity & Inclusive

At Prospera, we build vibrant and healthy communities by leveraging our unique backgrounds, talents, and perspectives to create a workplace where everyone can thrive. Diversity, equity, and inclusion are at the heart of everything we do, and we are committed to a continuous journey that ensures every employee feels valued and empowered.

We follow a fair and equitable hiring process, considering candidates based on their skills, experience, and potential. When you join Prospera, you're not just taking a job you're becoming part of a team that celebrates individuality and works collectively to make a positive impact.

Accommodations

We believe you belong here. If you require accommodation at any stage of the hiring process, please contact [e-mail]. All requests are handled with respect and confidentiality.

Disclaimer: Employment is subject to background checks, including enhanced criminal, credit, and reference checks.

At Prospera, we're more than a financial institution; we're a community. Our people are empowered to bring their whole selves to work and make a meaningful difference every day.

Prospera, Coast Capital and Sunshine Coast Financial are part of the Coast Capital Savings Federal Credit Union family of brands.