Credit Analyst II (Full-time, permanent) Corporate Manitoba

Grow your career with one of Manitobas Top Employers since 2014.

At Access Credit Union we support a professional and innovative work environment with a corporate culture that uniquely embraces empowerment accountability and trust. We recognize and value each employees contributions to our success which is why we offer competitive compensation 100% company paid health benefits employer-matched pension plan continuing education and career advancement opportunities within our credit union.

At Access Credit Union our values are straightforward:

• Do good

• Be better

• Own it

• Move forward

The Credit Analyst II 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 and Accountabilities

• 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.

• Primarily completing files submitted from the Business Account Manager I/II team

• Provides support on an assigned basis for files submitted by the Business Account Manager III team.

• Completes files with requested amounts ranging from $2.5-$5.0 million with minimal support required.

• 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 issuesthat affect market trends sharing beneficial information with other analysts lenders and managers.

• Work directly with theBusiness Account Managersandloanprocessorsto ensure smooth administration of documentation from the branch.

• Identify member problems needs andopportunities referring any opportunity back to the Business Account Manager whenever possible.

• Responsible for tracking and reporting goals and results.

• Adhere to all legislative and policy guidelines for all credit union products and services.

• Work collaboratively with other team members to achieve organizational and department objectives

• Actively participate in meetings planning and training initiatives sharing information and ideas to build organizational achievement and success.

• Maintain open communication and cooperation with other staff to ensure a friendly and efficient work environment.

• Maintain thorough knowledge of and adhere to credit union policies and procedures on risk management confidentiality security and fraudprevention.

This list is not inclusive and other tasks and/or responsibilities may be assigned by your supervisor.

Essential Qualifications

• Post-secondary education in business economics or agriculture or equivalent combination of education and work experience

• Minimum two years experience as a Credit Analyst

• Completion of role specific training plan

• Be able to work independently solve problems and make decisions within the scope of their role

• Ability to leverage industry experience and moderately develop credit risk knowledge

• Demonstrates a strong ability to identify risks issues and concerns within files

• Demonstrates a strong ability to provide appropriate risk mitigation covenant and loan structuring recommendations within the file with moderate authority.

• Demonstrated desire to serve others in a friendly and professional manner

• Abilitytoidentify and willingness to assist with sales and service opportunities

• Strong interpersonal andcommunication skills both verbal and written

• Superb analytical and problem-solving skills ability to analyze identify and mitigate risks in complex credit requests

• Ability to build trust and credibility with team members throughout the organization

• Ability to work inafast-pacedteamenvironment and perform well under pressure

• Ability to prioritize using sound judgment to make timely and effective decisions

• Superb attention to detailwith exceptional degree ofaccuracy

• Knowledge of Access Credit Unions products and services

• Demonstrated abilityto adhere to policies and procedures

• Strong knowledge of risk management within the financial industry

• Advanced computer skills

Employee Sub-Type

Regular

Starting Salary

$69929.00

If you are interested in this position apply today!

Required Experience:

IC

Employment Type : Full-Time
Experience: years
Vacancy: 1
Monthly Salary Salary: 2 - 5