Credit Analyst lll (Permanent, Full-time) Hybrid

at  Access Credit Union

ACCESS CREDIT UNION WELCOMES APPLICATIONS FROM PEOPLE WITH DISABILITIES. APPLICANTS MAY REQUEST REASONABLE ACCOMMODATION RELATED TO THE MATERIALS OR ACTIVITIES USED THROUGHOUT THE SELECTION PROCESS.

Job Type: Full-time
Pay: $75,716.00-$92,671.00 per year

Additional pay:

• Bonus pay

Benefits:

• Company events
• Company pension
• Dental care
• Disability insurance
• Employee assistance program
• Extended health care
• Life insurance
• Vision care
• Wellness program

Schedule:

• Day shift
• Monday to Friday

Work Location: Hybrid remote in Winnipeg, MB R3C 1M4
Application deadline: 2025-02-0

WHAT WILL YOU BE DOING?

The Credit Analyst is responsible for conducting comprehensive analysis of incoming credit requests from our commercial and agricultural members. Leveraging strong investigative and financial analysis abilities, the Credit Analyst identifies strengths, weaknesses and risks of the request; recommending appropriate risk mitigation strategies within the Business Credit Application.

KEY RESPONSIBILITIES:

• Work alongside Business Account Managers, conducting thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests to ensure credit quality is maintained with positive and negative trends identified.
• Assess creditworthiness of business and agricultural members. Evaluate the credit risk of a member through analysis of existing account performance, debt repaying history, business income earnings, purchase activities, etc.
• Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, as well as environmental and industry factors in support of credit requests; including new requests, refinance requests and annual reviews of large loans or lines of credit.
• Present analysis, findings, and recommendations in a clear, concise, and consistent manner within the Business Credit Application ensuring that all relevant information is included and analyzed; and recommendations are supported within established procedures.
• Provide recommendations for credit structure, security, and risk mitigation through use of covenants and conditions, supported within the analysis and assessment of credit risk.
• Prepare supporting documents such as charts, reports, spreadsheets and models to support analysis of new and existing credit applications.
• Ensure appropriate Security Documentation and instructions outlining the conditions of credit facilities, are clearly laid out (loan type, interest rate, security, searches, liens, etc.) to allow efficient loan processing by Business Loan Administration staff.
• Audit existing member documentation in support of current lending facilities to ensure appropriate documentation is held on file.
• Review files and identify deficiencies and report as appropriate.
• Work with account managers to ensure standardization of documents.
• Keep current with business issues that affect market trends, sharing beneficial information with other analysts, lenders, and managers.
• Work directly with the Business Account Managers and loan processors to ensure smooth administration of documentation from the branch.