Senior Business Credit Analyst
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Job Description
Senior Business Credit Analyst supporting the Business Banking team with complex credit submissions and financial analysis. Leading credit applications and lending solution structure for commercial relationships.
Responsibilities:
- Support the Business Banking team by preparing complex credit submissions, conducting detailed financial analysis, structuring lending solutions, and assisting with ongoing management of a sophisticated commercial lending portfolio.
- Lead the preparation of credit applications for complex commercial lending relationships, including real estate, construction and development financing, syndications, and other specialized credit structures.
- Complete in-depth financial analysis, cash flow modelling, feasibility assessments, covenant analysis, stress testing, and sensitivity analysis to support credit recommendations.
- Partner with Business Relationship Managers and internal stakeholders to structure lending solutions that align with policy, risk appetite, and member needs.
- Evaluate borrower strength, guarantor support, project viability, market conditions, and security positions for complex lending transactions.
- Support syndication opportunities through analysis of participation structures, lender requirements, and deal terms.
- Manage annual reviews, renewals, amendments, construction monitoring, and ongoing portfolio maintenance activities.
- Monitor portfolio performance, covenant compliance, delinquency trends, and emerging risk indicators.
- Coordinate documentation, funding requirements, and conditions precedent with internal departments, syndication partners, legal counsel, and other external stakeholders.
- Support construction draws, project monitoring, and reporting requirements for real estate development and construction lending relationships.
- Prepare portfolio reporting and recommendations to support effective risk management and decision-making.
- Mentor Business Credit Analysts through technical guidance, knowledge sharing, and best practice development.
Requirements:
- Completion of a college diploma or university degree in a related discipline, or an equivalent combination of education, training, and experience.
- Minimum 5 years of progressive experience in commercial lending, credit underwriting, or business banking, including experience with complex commercial real estate lending and construction financing.
- Strong expertise in financial analysis, credit adjudication, risk assessment, and structuring complex commercial lending solutions.
- Demonstrated knowledge of commercial real estate development financing, syndication structures, legal documentation requirements, and portfolio risk management practices.
- Proven ability to analyze complex borrowing relationships and develop sound credit recommendations.
- Advanced financial analysis and underwriting capabilities.
- Experience supporting commercial real estate development and construction financing relationships.
- Strong risk assessment, problem-solving, and decision-making skills.
- Knowledge of syndicated lending structures and complex commercial credit arrangements.
- Strong communication and relationship-building skills with the ability to collaborate effectively across multiple 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
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