Senior Credit Analyst

At CWB, we strive to build value for the people who choose us every day : our people, our clients and our investors. We do this by :

• Putting people first and building relationships with intention
• Seeking out and embracing new ideas
• Believing that how we do things is as important as what we do

Roles Specifications

Location : Richmond Hill, ON

Everyday flexibility. On-site requirements. Collaborative connections.

CWB Maxium offers creative financing solutions to businesses across Canada. that responds directly to the specific needs of each customer.

As part of CWB Financial Group , we have robust funding capabilities and access to capital, allowing us to help more customers in more ways.

We have earned a reputation for innovative lending solutions coupled with an unparalleled ability to build long-term relationships.

Today, our financial portfolio exceeds $2 billion. We are active, present, and engaged in the markets we finance including healthcare, condo, and strata, (repair and maintenance), renewable energy, commercial / corporate and structured program financing.

The opportunity

Are you a dedicated finance professional who loves crunching numbers ? Are you skilled at in-depth analysis of financial documents ?

Are you a go-to resource for credit knowledge and support ? Do enjoy managing risk ? Are you an experienced analyst who is excited by a fast-paced and constantly evolving environment ?

If you want to apply your business know-how and be part of a dynamic finance team - we want to hear from you.

Day to day

Financial & cashflow analysis. Credit adjudication. Risk management.

• Compliance accountability with various first-line risk management functions, workflows, and policies of CWB Maxium, including requirements for loan management, data integrity, portfolio quality, exposure limits and fulfillment of loan security and approval requirements.
• Build close working relationships with sales and operations and risk management teams to analyze, structure, write and process credit applications, review, and recommendations in a timely manner consistent with established timelines.
• Ensure risk appetite is within acceptable parameters of our lending practices and guidelines.
• Prepare recommendations for approval, restructuring, or deferral of credit applications.
• Prepare credit condition checklists for each approved credit application.
• Ensure adherence to CWB Maxium's credit administration and security policies and procedures.
• Assist in the preparation of annual credit reviews on assigned portfolio of loans including an updated s ecurity review, financial covenant testing, re-rating of transaction credit risk and updated financial statement and cash flow analysis.
• Review amendments seeking approval to modify the original transaction security or other credit conditions.
• Identify and actively participate in operational improvements.

Motivation and a growth mind set matter. With a solid foundation, sheer determination, and ability to apply new concepts to existing knowledge, you are guaranteed to stand out.

Skills and competencies that will take you further

Financial savvy. Credit knowledge. Analyst. Collaborator. Trusted partner. Respected negotiator.

We are looking for a finance and / or credit professional with a strong desire to learn and grow. You are drawn to data and possess an analytical mind, finding patterns and underlying stabilities in financial statements and cash flow.

Inquisitive by nature, you dig further, investigating all aspects and exploring every possibility before making recommendations.

You must be sound in your research & understanding before being confident in your knowledge. You are a concise communicator with the ability to influence and negotiate.

You value collaboration and have excellent interpersonal and organizational skills. This role requires a person who can maintain a high level of confidentiality and professionalism.

There are countless opportunities to advance and enhance your career in this unique and niche space.

Foundational knowledge and experience to grow from

Bachelors' Degree in business or related field is required in addition to two to five years financial services experience within functions of risk or credit management, banking and / or business lending.

Leadership and / or coaching experience is considered an asset. Prior experience in Commercial Banking is a plus. Experience in credit adjudication supported by well-developed skills in financial statement analysis and knowledge of effective risk mitigation strategies for credit underwriting are needed.

Why work with us?

Your success is our obsession! And our award-winning culture & benefits back it up.

Proudly recognized by Great Place to Work® in 2024 as one of Canada's top 50 Best Workplaces & member of Waterstone Human Capital's Most Admired Corporate Cultures TM Hall of Fame.

Wellness matters . We offer an award-winning benefits package that includes :

• Hybrid work environments
• Everyday flexibility
• Generous company-funded health coverage
• Health care spending account
• A flexible wellness program
• generous time-away options to unplug, rest & recover

Career development. We commit to our employees' development and help them reach their professional goals with :

• Organization wide coaching services
• Mentorship
• Education support & training programs

Bring your whole self to work. Inclusion is a journey requiring practice & experience to result in a powerful outcome. Your perspective matters & voice will be heard.

Find community within the CWB family in our employee represented groups.

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As an equitable employer, CWB Financial Group is committed to providing a safe and inclusive environment where a diverse workforce thrives.

You are welcomed and encouraged to bring your whole self to work. Dignity, respect and equality are non-negotiables. If you require accommodation during any part of the recruitment or selection process, please reach out.

Closing Date :

Position closes at 12 : 01am on the close date identified below.

09 / 22 / 2024