Hybrid Credit Analyst I

at Access Credit Union

• Job title: Credit Analyst I
• Job type: Full Time
• Experience level: Junior
• Salary: CA$63,006 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Winnipeg, Canada

About the role

• Credit Analyst I responsible for analyzing credit requests from commercial and agricultural members. Working with Business Account Managers to ensure credit quality is maintained and risks are mitigated.

Responsibilities

• Conducting comprehensive analysis of incoming credit requests from commercial and agricultural members
• Identifying strengths, weaknesses and risks of the requests and recommending appropriate risk mitigation strategies
• Working alongside Business Account Managers to conduct thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests
• Regularly completing files submitted by the Business Account Manager I/II team with requested amounts ranging from $0-$2.5 million
• Assessing creditworthiness of business and agricultural members
• Evaluating credit risk through analysis of existing account performance, debt repaying history, business income earnings, and purchase activities
• Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, and environmental and industry factors
• Presenting analysis, findings, and recommendations clearly within the Business Credit Application
• Preparing supporting documents to support analysis of credit applications
• Ensuring appropriate Security Documentation and instructions are clearly laid out
• Auditing existing member documentation to ensure proper documentation is held on file
• Keeping current with business issues that affect market trends and sharing beneficial information

Requirements

• Post-secondary education in business, economics or agriculture or equivalent combination of education and work experience
• One year experience in a business banking role preferred
• Developing ability to identify risks, issues, concerns within a file
• Developing ability to provide/position appropriate risk mitigation recommendations within the file
• Demonstrated desire to serve others in a friendly and professional manner
• Ability to identify and willingness to assist with sales and service opportunities
• Strong interpersonal and communication 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 in a fast-paced team environment and perform well under pressure
• Ability to prioritize using sound judgment to make timely and effective decisions
• Superb attention to detail with exceptional degree of accuracy
• Strong knowledge of risk management within the financial industry
• Advanced computer skills

Benefits

• 100% company paid health benefits
• Employer-matched pension plan
• Continuing education opportunities
• Career advancement opportunities